Can i upgrade from Green to BCE or BCP?

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0_to_60
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Can i upgrade from Green to BCE or BCP?

Postby 0_to_60 » Sun Feb 17, 2013 11:29 pm

1st Amex, been 4 months. Recently i was approved for chase freedom 3k limit.
Trans:695
Eq: 705
Ex:730

Also i PIF each month

Can i upgrade to a blue card? or BCE? or BCP? or thats not a upgrade? on Amex website i have the choice to upgrade to gold prg and plat. But it doesnt give an option to upgrade to blue cards'

[color="Red"]Ok guys so researching more i found that you cant upgrade from charge to a revolver. So my question is can i get approved for one of those blue revolver cards?[/color]
Also would this be hard pull or soft pull?


Rory
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Postby Rory » Mon Feb 18, 2013 1:12 am

If you have sufficient positive history with AMEX you should have no problem getting either of those cards. I would stick with the BCE unless you know for a fact that you would be saving more with the BCP option.

It will be a hard pull if you are approved, and a soft pull if you apply and are denied. No real risk so go for it :)
Amex Zync - NPSL (Cleared up to 25k)
Amex BCE - 12000 limit
Amex BCP - 4200 limit
FIA Rewards Amex- 3500 limit
Chase Freedom - 2000 limit
Chase Slate - 2000 Limit
BoA Cash Rewards Privileges- 3000 limit
Barclaycard Rewards MC - 3000 limit
Discover IT- 3500 limit
Marriott PR- 5000 limit
21 years old with alot of life to spend ;)
Its not about the ending, its about the journey,
just as long as the ending is just as good :cool:

0_to_60
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Postby 0_to_60 » Mon Feb 18, 2013 1:54 am

Rory wrote:If you have sufficient positive history with AMEX you should have no problem getting either of those cards. I would stick with the BCE unless you know for a fact that you would be saving more with the BCP option.

It will be a hard pull if you are approved, and a soft pull if you apply and are denied. No real risk so go for it :)


thanks for the response i appreciate. My equifax score was 721 last month it dropped almost 16 points this month because of chase (inqury and new account). So in this coming months im going to apply for autoloan. Im worried if i get approved for bce hence a new account my score will drop even more and reflect negatively for auto loan

0_to_60
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Postby 0_to_60 » Mon Feb 18, 2013 2:54 am

applied and declined. I wonder if i should call the backdoor number?

marzbarz
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Postby marzbarz » Mon Feb 18, 2013 7:39 am

Rory wrote:

It will be a hard pull if you are approved, and a soft pull if you apply and are denied. No real risk so go for it :)


Are you sure about that? I thought you get a hard pull every time you apply for credit regardless of you're approved or denied.
AMEX Blue Cash: $23,500
CITI Doublecash (World Elite MC): $11,200
CAPONE Quicksilver (VISA Signature): $12,500
CHASE Freedom (VISA Signature): $20,000
USAA Rewards (World MC): $13,500
USAA Rewards (VISA): $18,500

marzbarz
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Postby marzbarz » Mon Feb 18, 2013 7:42 am

0_to_60 wrote:applied and declined. I wonder if i should call the backdoor number?


You said you've only been with AMEX for 4 months? I would give it at least a year. Establish good history and account usage first, then you should have no problems getting a new card. Of course, that's assuming your other credit accounts are also in good standing...
AMEX Blue Cash: $23,500
CITI Doublecash (World Elite MC): $11,200
CAPONE Quicksilver (VISA Signature): $12,500
CHASE Freedom (VISA Signature): $20,000
USAA Rewards (World MC): $13,500
USAA Rewards (VISA): $18,500

Deweytf4
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Location: Valley village, ca

Postby Deweytf4 » Mon Feb 18, 2013 8:46 am

marzbarz wrote:Are you sure about that? I thought you get a hard pull every time you apply for credit regardless of you're approved or denied.


One of the benefits of having an Amex card is if you decided you wanted to apply for another Amex product, it's only a hard pull if you're approved. I believe at that point, their decision is based on your habits with your other Amex card and their own internal system.



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