Upgrade options?

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Upgrade options?

Postby tut1971 » Fri Nov 09, 2012 2:53 pm

New to the forum and glad to be here. Straight to my question, I applied and was approved for the Blue Cash Preferred earlier this year and have been using it almost exclusively for the last few months. However I feel I may have applied for the wrong card for my needs/desires and was wondering it AMEX would upgrade the card to one of their other revolving options or perhaps even a charge option. Any thoughts from the experienced?

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Postby jriley » Thu Nov 15, 2012 10:40 pm

American Express won't change a revolver to a charge card. You can request a product change to other similar credit cards.

You can also apply for a charge card, which would only use a soft pull and your existing AmEx history to determine eligibility.
Looking to maximize credit, for myself and others.

Fidelity Investment Rewards
American Express Platinum for Morgan Stanley
Chase Sapphire Preferred

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Postby DavidNY » Fri Nov 16, 2012 9:15 am

You could get a different credit card from them, or maybe find a different bank would have what you're looking for.

You can downgrade your BCP to a BCE to avoid the annual fee.

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Postby TheLethargicAge » Fri Nov 16, 2012 12:16 pm

Why would you want to PC from BCP to something else? As far as rewards go, it's their best card.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

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Postby Vermonster » Fri Nov 16, 2012 1:02 pm

Because the AF can eat into your rewards if you don't spend enough. Someone else did the math comparing the BCP to BCE, and from what I saw the BCP was only really worth it for people that spent a lot on groceries.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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