Delta Gold to BCE or BCP

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onion
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Postby onion » Tue Aug 12, 2014 6:48 pm

popamode72 wrote:When I asked about when I could get a product change on the Delta Gold, they said that I could do it as long as the card I want to have the card changed to was still a Delta or Hilton product and that after 12 or 13 months, I could be eligible to do that. Same thing with upgrading the no annual fee EveryDay card to the Preferred version.


Upgrading from a no annual fee to an annual fee product before the 12 month period is prohibited by law, iirc. However, you can go from a product with an annual fee to no annual fee without having to wait those 12 months, but that'll be up to the lender.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000


popamode72
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Postby popamode72 » Tue Aug 12, 2014 6:55 pm

onion wrote:Upgrading from a no annual fee to an annual fee product before the 12 month period is prohibited by law, iirc. However, you can go from a product with an annual fee to no annual fee without having to wait those 12 months, but that'll be up to the lender.


I see. In my case, I'm probably still going to wait a while before I decide to switch to a no annual fee Hilton card if that's true. Thanks for telling me that.
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onion
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Postby onion » Tue Aug 12, 2014 8:17 pm

popamode72 wrote:I see. In my case, I'm probably still going to wait a while before I decide to switch to a no annual fee Hilton card if that's true. Thanks for telling me that.


No problem. I did a bit more research, looks like it was a provision under the CARD act and it was put in place to prevent lenders from charging higher fees or increasing fees before the first year.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Aug 12, 2014 8:25 pm

Calipso wrote:The common answer from most people is don't cancel or product change until 9-12 months after you get the card. They have the right to take back the bonus or blacklist you otherwise if they feel you are a churner.


I see Calipso hasn't been active on here for a while, but if anyone else knows:

Are issuers concerned if you stop spending a lot on one card but stay loyal to a different card of theirs?

More particularly - if my PRG spending falls to, say, to 20% of my previous monthly spending on it, but my new BCE rises the equivalent amount, is losing the PRG bonus possible?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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onion
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Location: Jacksonville, FL

Postby onion » Tue Aug 12, 2014 8:35 pm

CarefulBuilder14 wrote:I see Calipso hasn't been active on here for a while, but if anyone else knows:

Are issuers concerned if you stop spending a lot on one card but stay loyal to a different card of theirs?

More particularly - if my PRG spending falls to, say, to 20% of my previous monthly spending on it, but my new BCE rises the equivalent amount, is losing the PRG bonus possible?


I haven't heard of anything of the sort. I especially doubt they'd care if they're still getting their swipe fees but on a different card.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Aug 18, 2014 2:08 pm

I contacted Amex and they don't close PRG cards due to inactivity. It's not surprising - with a $175 AF, they are happy to let it sit unused. I didn't ask but assume they would close a no-AF card, though, due to inactivity.

Edit: I have read cases of the former Orchard Bank (subprime secured cards) closing accounts due to inactivity, so there are times when a lender would close a card with an AF.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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