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I would like to ask myficoers experience on PC'ing a Delta Amex Gold to other AMEX cards.
This is a 3-6 month plan, not immediate. What are the chances of getting a higher CLI when PCing ?
I would be using the new card for groceries, gas and utilities.
What's my best option ?
I am hoping my scores are in the 700-735 range when I do my request, and util at 10% or less (currently 18%)
Thank you in advance for your advice.
@yomellamoFICO2013 wrote:I would like to ask myficoers experience on PC'ing a Delta Amex Gold to other AMEX cards.
This is a 3-6 month plan, not immediate. What are the chances of getting a higher CLI when PCing ?
I would be using the new card for groceries, gas and utilities.
What's my best option ?
I am hoping my scores are in the 700-735 range when I do my request, and util at 10% or less (currently 18%)
Thank you in advance for your advice.
I believe that AMEX doesn't pull your credit for product changes. There are a number of recent threads on AMEX PCs where members have reported doing a PC.
As long as your card has been open for at least 12 months ( and assuming that the card you want can be PC'd into ) there shouldn't be any issue.
I think there is only one creditor that has been known to pull HP's for product changes. Do you remember what creditor that is?
Thank you for your feedback. I've read that is usually a YMMV. My card will be only 6 months in December. It's still early, but I wanted to plan ahead.
@HiLine wrote:I think there is only one creditor that has been known to pull HP's for product changes. Do you remember what creditor that is?
NFCU ?? Seriously, I can't think of any creditor that does a HP for PCs, although there's probably one out there somewhere.