Went for the BCP

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
30 posts
Sevenfeet
Centurion Member
Centurion Member
 
Posts: 532
Joined: Thu Jan 17, 2013 7:20 pm
Location: United States

Postby Sevenfeet » Sat Jun 01, 2013 7:44 pm

Didn't you use to be blacklisted? Congrats on the BCP...it's a great card.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)


Robrus1
Centurion Member
Centurion Member
 
Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

Postby Robrus1 » Sat Jun 01, 2013 7:54 pm

MemberSince99 wrote:You should go for it Robrus1! Go for your dreams in life. Don't let somebody tell you some virtual bronze or silver spade means more than you enjoying your life!


Haha I might one of these days. I'd be curious to see what initial limit they'd give me now that I've built a good history with them. The girlfriend (we live together, it's like being married) thinks I have too many credit cards already and she seems to prefer points to cash back. She likes to me redeem points to use toward vacations. What makes the most sense to me would be have the PRG and the BCP to maximize rewards, but I got the Platinum for all of the travel stuff like Global Assist, which makes me feel like someone's got my back when traveling internationally and that's worth it to me to have, even if it's once or twice a year. I may go ahead and try for it sometime this summer. It seems silly to not have that card for gas and groceries. My CK and CS scores are higher than normal for some reason right now, so it might be a good time to poke that ol' Amex Bear. I'll think on it for a bit. Again, Congrats!
I wonder if I can PC my Blue to a BCP? Probably not since one is MR points and one is cash back, although they're both revolvers so...I have no idea.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

s.jessica
Centurion Member
Centurion Member
 
Posts: 125
Joined: Wed Dec 05, 2012 12:47 pm
Location: Iowa

Postby s.jessica » Sat Jun 01, 2013 8:24 pm

+1 Congrats on the approval

Now get back to the garden!

For Pete's sake stop applying! Those inquires are going to kill your credit score!

MemberSince99
Centurion Member
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sat Jun 01, 2013 9:07 pm

Thanks guys. Yes I was blacklisted last year.

Actually Robrus1, if you get the BCP you don't really need PRG, your Platinum and the BCP would make a great pairing. Reason I say that is, BCP is a gas/grocery/dept store card, and the PRG gives better points on gas and groceries but you would already have that covered with the BCP.

So I wouldn't get the PRG I would just use your BCP, unless of course you spend enough extra on the PRG to make it worth it but that would be a lot of spend.

And s.jessica, I really don't have that many this year, though the list is growing. If our personalities were such that we didn't go for what we wanted, we probably wouldn't be on this site :)

Robrus1
Centurion Member
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Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

Postby Robrus1 » Sat Jun 01, 2013 11:25 pm

Good point, 99. I looked into it and Blue can be upgraded to BCP. I'm not sure if that'll cost me a soft pull or a hard pull, but at least I know I'd have a good limit. If it is a HP, I wonder if I can go for a CLI at the same time.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

MemberSince99
Centurion Member
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Jun 02, 2013 7:32 am

Ask for a soft Robrus1, nothing at all to lose.

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m.a.stewart.
Gold Member
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Posts: 37
Joined: Fri Apr 19, 2013 4:19 pm
Location: US & PTY

Postby m.a.stewart. » Sun Jun 02, 2013 8:29 am

Z06Biker wrote:Does a CLI with Amex result in a hard inquiry?



No. I recently X3 my CL to 24K with no hard pull last week on my blue sky. So go ahead and do it with no worries when your ready.
~PARATUS ET POTENS~

MemberSince99
Centurion Member
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Jun 02, 2013 9:52 am

m.a.stewart. wrote:No. I recently X3 my CL to 24K with no hard pull last week on my blue sky. So go ahead and do it with no worries when your ready.


Cool that's great to hear, that was my assumption, but good to know.

TheLethargicAge
Centurion Member
Centurion Member
 
Posts: 322
Joined: Tue Oct 16, 2012 11:20 pm
Location: Miami, Cuba

Postby TheLethargicAge » Sun Jun 02, 2013 10:14 am

Now, that is a great card!

Now you can use them like this:

BCP - Groceries, department stores, and gas stations
CSP - Restaurants and travel
FIA "fake" Amex - everything else (unless the merchant only takes Visa/MC)

Now get rid of your Gold card as it is now even more useless than before.
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)

MemberSince99
Centurion Member
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sun Jun 02, 2013 12:16 pm

BCP was app'd for specifically for the categories you mentioned and that is where I will use it. Besides that to be honest, also because growing an Amex revolver is pretty easy to do, and for the backdating. Combining that with the fact it will get heavy use, yeah it was a no-brainer.

CSP - rent too because my apartment doesn't take Amex, but agreed on the other categories.

The rest of the spending needs to be split on the remaining cards. None of them is a billpay card, so I see where the FIA and its 2% would give the best rewards, HOWEVER BofA offers sign up 10-15% categories and if you would make use of them anyway, you grab those when they pop up.

But I have too many cards and to be honest, if I close anything, it will be the Elan cards at this point (Associated). I'm keeping the Gold. I want an Amex charge. Does it truly fit particularly well into my spending in terms of rewards? No, not really, but why would I want to lose 14 years of backdating that is only going to grow with time pumping up my score? The 125 a year fee even if I got no rewards is worth that to me. So, no plans to close the Gold, but the Elan cards are getting closer to the chopping block.

By the way I might add that the points on the Gold can be redeemed on your Amazon account for purchases which is nice. You don't have to wait a long time to be able to redeem that way and you can redeem any amount of your points on any purchase. (Discover allows the same thing and I think I read Citi does too).



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