PC - BCE to Everyday

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TheSwarm
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PC - BCE to Everyday

Postby TheSwarm » Fri Aug 29, 2014 1:26 am

Hello,

I was wondering if a BCE could be changed to an everyday card. Is it pretty easy to do? Also if it is possible, do they pull anything for this?

Thanks,


rockyrock
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Postby rockyrock » Fri Aug 29, 2014 8:20 am

Unless something has changed, no. At some point it may be possible but right now they are using some lame "point structure is to different" excuse.
American Express (2005): Green & Blue Cash Everyday
Chase: Freedom & UA Club USAA: Signature Visa & American Express
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TheSwarm
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Postby TheSwarm » Fri Aug 29, 2014 2:35 pm

That's too bad. So if I got an everyday card someday, does AMEX allow you to close a card and transfer its credit limit to the other?

Like if I closed my BCE and asked them to transfer the $6900 limit to whatever the everyday would be?

popamode72
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Postby popamode72 » Fri Aug 29, 2014 4:53 pm

TheSwarm wrote:That's too bad. So if I got an everyday card someday, does AMEX allow you to close a card and transfer its credit limit to the other?

Like if I closed my BCE and asked them to transfer the $6900 limit to whatever the everyday would be?


I think you can but from what I know, not all of the limit. Like there would still have to be at least something on the other card pretty much.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

CC Deville
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Postby CC Deville » Sat Aug 30, 2014 11:40 am

I am in the same boat. I asked to change my Blue to Everyday and was told "no." They offered instead that I apply for the Everyday. The benefits of applying for a new Everyday is the 10,000 MR bonus and if you have a previous AMEX you get the benefit of backdating; however, I don't want an inquiry, another trade line and probably a $2,000 credit line that they are famous for.

popamode72
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Postby popamode72 » Sat Aug 30, 2014 2:24 pm

Just wanted to update my post and basically as long as the balance on the card you wanna have the CL transferred from is 0, you can certainly close the card and have that entire limit transferred over to another Amex card.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Aug 30, 2014 2:48 pm

TheSwarm wrote:Hello,

I was wondering if a BCE could be changed to an everyday card. Is it pretty easy to do? Also if it is possible, do they pull anything for this?

Thanks,


I think the BCE can only to changed to other cards in the Blue lineup (Blue, Blue Cash, Blue Sky).
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

rockyrock
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Postby rockyrock » Sat Aug 30, 2014 4:17 pm

popamode72 wrote:Just wanted to update my post and basically as long as the balance on the card you wanna have the CL transferred from is 0, you can certainly close the card and have that entire limit transferred over to another Amex card.


I just did this when I closed my SPG, and it is just like you state but for some reason they decided only to shift $8300 of the $9k to my BCP. That pushed my BCP well over $25k so it isn't an issue but I couldn't figure out why they wouldn't move it all...

The big thing to remember here is to make sure you open the new card first and have it in your possession. Once you have it you can call and ask them to shift your available credit to the desired card and close the old one.

The only time I would deviate from this method is if you need to shift some credit around to have the new card approved. I have heard of this with other lenders like Chase and Citi but not Amex. That isn't to say it doesn't happen.
American Express (2005): Green & Blue Cash Everyday
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

popamode72
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Postby popamode72 » Sat Aug 30, 2014 5:36 pm

rockyrock wrote:I just did this when I closed my SPG, and it is just like you state but for some reason they decided only to shift $8300 of the $9k to my BCP. That pushed my BCP well over $25k so it isn't an issue but I couldn't figure out why they wouldn't move it all...

The big thing to remember here is to make sure you open the new card first and have it in your possession. Once you have it you can call and ask them to shift your available credit to the desired card and close the old one.

The only time I would deviate from this method is if you need to shift some credit around to have the new card approved. I have heard of this with other lenders like Chase and Citi but not Amex. That isn't to say it doesn't happen.


Yeah. Delta card has been great and what me into Amex in the first place especially noticing with how many people at the time on MyFico had been able to get their foot in the door easily but I think I'm ready to go ahead and just end up with one Amex revolver again, especially considering how much better the terms are with my EveryDay card and since that was basically the card I had wanted to end up having the most.

0 APR for 15 months and after that, 12.99% according to the disclosures they sent me. To contrast, my Delta card has an APR of 19.24%. Plus one less annual fee to worry about in the long term so I think the decision would hold a lot of advantages for me that I didn't really realize before.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



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