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Forums Payment cards American Express Need guidance for upgrading to BAPP

  • Tubbs 40 posts

    I have the free BA AMEX and will be ‘upgrading’ to the BAPP to generate a 2-4-1 voucher. I have a few questions –

    1. Do I just apply for the BAPP and leave AMEX to work out that I already hold the free card?
    2. How long does it usually take to receive the new BAPP card?
    3. Is there any problem if I slightly exceed the £10,000 spend on the free card before I apply for the BAPP card, given that a voucher is not generated on the free card until £12,000 is spent? Presumably in these circumstances the 2-4-1 voucher would be generated as soon as the BAPP card is issued.

    Thanks.

    SteveJ 1,004 posts

    1. Use the official upgrade route
    https://www.americanexpress.com/uk/benefits/upgrade/ba-premium-plus-credit-card/

    2. Same as any new card, 3-5 days.

    3. No, usually in this scenario you need to call to remind them you’ve already hit the trigger, their systems don’t spot it AFAIK. If you hit 10k after the upgrade you’ll be fine

    JDB 4,643 posts

    1. Use the official upgrade route
    https://www.americanexpress.com/uk/benefits/upgrade/ba-premium-plus-credit-card/

    2. Same as any new card, 3-5 days.

    3. No, usually in this scenario you need to call to remind them you’ve already hit the trigger, their systems don’t spot it AFAIK. If you hit 10k after the upgrade you’ll be fine


    @SteveJ
    – Is there any particular reason for assisting someone to evade paying the annual fee that most HfP readers are expected to and actually do pay? It seems rather anti-social.

    SteveJ 1,004 posts

    @JDB because, to borrow a phrase you’d often use, the way ‘I was raised’ is to help people when I know how, without prejudging them.

    JDB 4,643 posts

    @JDB because, to borrow a phrase you’d often use, the way ‘I was raised’ is to help people when I know how, without prejudging them.

    So, you would ‘help’ someone break into a car or graffiti a wall? There’s ‘helping’ and helping.

    It doesn’t require any prejudgment to identify that this person has decided that only the little people pay annual fees, but he is entitled to the new companion voucher without paying £250. The cost of these type of things is borne by all the the cardholders who do pay, so in this instance you are ‘helping’ this one person at everyone else’s expense, so not really ‘helping’ at all. To the extent you were raised to help, I imagine you were also raised to do the right thing.

    SteveJ 1,004 posts

    @JDB you asked a question to which I gave my answer. That you don’t like said answer is not my concern.

    louie 138 posts

    @JDB – American Express could, if they so chose, require upgraders to start again with the spending towards the voucher. They don’t. No doubt because the way things are suits them fine.

    JDB 4,643 posts

    @JDB you asked a question to which I gave my answer. That you don’t like said answer is not my concern.

    Dear Steve, We regret that your application for the role of Director of Transformation made on another thread has been unsuccessful. We were able to find candidates who were neither expedient nor assisted expediency, behavioural traits we considered inappropriate for this senior role. Regards. HR.

    Tubbs 40 posts

    1. Use the official upgrade route
    https://www.americanexpress.com/uk/benefits/upgrade/ba-premium-plus-credit-card/

    2. Same as any new card, 3-5 days.

    3. No, usually in this scenario you need to call to remind them you’ve already hit the trigger, their systems don’t spot it AFAIK. If you hit 10k after the upgrade you’ll be fine

    Thanks for the helpful response. I will upgrade shortly before hitting the £10,000 spend to avoid having to prompt AMEX to issue the 2-4-1 voucher.

    Tubbs 40 posts

    @JDB because, to borrow a phrase you’d often use, the way ‘I was raised’ is to help people when I know how, without prejudging them.

    So, you would ‘help’ someone break into a car or graffiti a wall? There’s ‘helping’ and helping.

    It doesn’t require any prejudgment to identify that this person has decided that only the little people pay annual fees, but he is entitled to the new companion voucher without paying £250. The cost of these type of things is borne by all the the cardholders who do pay, so in this instance you are ‘helping’ this one person at everyone else’s expense, so not really ‘helping’ at all. To the extent you were raised to help, I imagine you were also raised to do the right thing.

    I’m not sure I understand any of this judgemental nonsense. I already hold the free BA AMEX and have been using it regularly. I will be paying £250 pa for the BAPP card. FWIW I already pay £575 pa for the AMEX Platinum card.

    SteveJ 1,004 posts

    Good ol’ JDB, neither courteous nor funny, plus ça change.

    tiriavpo 319 posts

    Probably going to apply to upgrade imminently – what happens with membership year and the annual fee? Does that get charged straight away, or is it pro rata for the remaining part of the year, or do your dates change or how does it work.

    NorthernLass 8,260 posts

    You get charged the full amount immediately and that becomes your fee anniversary – your voucher anniversary stays the same, so it can be a bit confusing!

    tiriavpo 319 posts

    Ok thanks. The current card year ends at the end of June, we need to pay off a sizeable BA holiday by the end of July – the card has a small spend total on it at the moment.

    So the decision is just whether to upgrade this year or next – pros and cons to both I think.

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