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Yes, it's two accounts, one card.. You can still carry the store card but it's totally unnecessary. As for report terms, your store credit line history remains the same but you're Macys Amex is reported as a new account (there's no backdate) which will hit your AAofA. And Yes by requesting an "upgrade" you give Macys Permission to hard pull your Experian report... and again if you're last Macys store Account Review (which in my case they soft pull Equifax) looks good they most likely approve you without a hard credit pull. It's also known that you meed a 700+ FICO to get approved although they also use internal scores to assess all your information in your report. The same principle applies when requesting a CLI in your Macys store or any special account (club account, Major purchase etc) if you don't meet their criteria with the last soft pull (AR) they most likely hard pull to see if your information and credit worthiness has change in your report
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