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Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Upgraded my Amex Green to Gold Rewards Plus



ohboy wrote:
did they do a credit check for the upgrade?
 
 


Not if Amex is offering you a "conversion" (upgrade). In this case, you keep the same account number and only the 4-digit security code and exp date (might) change.
 
If you initate a product upgrade (this is not the case during activation), Amex might very well hard you, and your new card will have a new account number. This can cause a hit to scores:
 
- new inq
- new account
- re-aging your file
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Upgraded my Amex Green to Gold Rewards Plus



Timothy wrote:
I have 4 Amex cards-
Delta, Blue cash, Green and Simply Cash-
 
I have 4 hard inq's on EX - one for each application
and no F/R
 
My 1 year with AMEX is in June !!!!!!!!!!!!!
------------------------------------------------------------------------------------------------------------------
 
But you know the game with Amex already! LOL!
 
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Regular Contributor
Posts: 174
Registered: ‎03-26-2007
0

Re: Upgraded my Amex Green to Gold Rewards Plus

Timothy
 
Gratz on all them Amex,
 
I was very happy when i got the first one.
 
Once you got the green which do you use more CC or the Charge card?
 
Should i put all my  monthly payments on the card (myfico, WOW, ect...)
 
or would that be more of headache ?
 
 
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Upgraded my Amex Green to Gold Rewards Plus

I have all my bills (except mortgage and auto loan) on auto pay at Amex
 
I have carefully chosen which card to pay what bill based on rewards and billing date- 

ohboy wrote:
Timothy
 
Gratz on all them Amex,
 
I was very happy when i got the first one.
 
Once you got the green which do you use more CC or the Charge card?
 
Should i put all my  monthly payments on the card (myfico, WOW, ect...)
 
or would that be more of headache ?
 
 



Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Upgraded my Amex Green to Gold Rewards Plus



Timothy wrote:

I have all my bills (except mortgage and auto loan) on auto pay at Amex


I have carefully chosen which card to pay what bill based on rewards and billing date-





ohboy wrote:

Timothy


Gratz on all them Amex,


I was very happy when i got the first one.


Once you got the green which do you use more CC or the Charge card?


Should i put all my monthly payments on the card (myfico, WOW, ect...)


or would that be more of headache ?














I've seen one of the Amex advertisements before with some sort of promotion if I pay my mortgage with my Green card.

I wish Wells Fargo would let me. I'm losing a substantial amount of points a month by using a check over a CC.
Here we go again...
Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Upgraded my Amex Green to Gold Rewards Plus

Indymac Bank let's you charge your mortgage payment-
 
That's the only one I know of-
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