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Established Member
mjb59463
Posts: 49
Registered: ‎07-16-2012

PC my Amex Gold Delta to a Blue Cash? Or attempt this when my scores go up?

[ Edited ]

Hey everyone,

I currently have the Amex Gold Delta with a 2200 dollar limit, that I've had since November 2012. I tried the 3x CLI last year and was denied, and ever since then, I've used the card sparingly and responsibly. Now that I have the CSP, Freedom and my US Bank Travel Rewards Card, I feel as though I have the best travel/points cards for my needs, and I'd really like to PC my Amex Gold Delta into a cash back card. 

 

However, my scores have dropped, not increased from the time I first applied. I have one 30 and one 60 day late from approximately 6 months ago, which has taken myy scores down from the 690s to the 650's. I've been current on everything since, balances are low, but so are the scores. 

 

Will Amex pull my credit again with a PC? If so, it's hard to see them approving a change with my current scores.

 

Should I keep it in the sock drawer and wait a year or two for my scores to go back up? Or give it a shot now?

 

All help is appreciated.

 

Thanks

Daily : CSP 5000 | Wells Fargo Rewards 2500 |
Bills(autopay): USBank Flexperks Rewards 5000| AmEx Gold Delta 2200| Barclay Apple 3100 |Chase Freedom 1100| Discover More 1000|

SockDrawer: Citi Forward 800| Banana Republic 700|
Trash Bin: USBank Platinum 400
Gardening for life.



Mega Contributor
Creditaddict
Posts: 18,830
Registered: ‎10-23-2007

Re: PC my Amex Gold Delta to a Blue Cash? Or attempt this when my scores go up?

No they don't pull for PC, they just pull up a screen for which cards are available to pc to based on the current product you have... Blue I think is pretty much always available so I would give them a call and tell them the AF just isnt' worth it for you and see what they can transfer it to.

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Senior Contributor
longtimelurker
Posts: 5,385
Registered: ‎04-22-2013

Re: PC my Amex Gold Delta to a Blue Cash? Or attempt this when my scores go up?

Which Blue Cash?  The "old" Blue Cash appears to be rarely offered as a PC option, although it is for some.    Not sure about BCE/BCP

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)

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