Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 133
Registered: ‎07-18-2007
0

Converting Skymiles to Clear or Blue...

Does anyone know how this process is done, do they check your credit again?
 
I was just approved for Skymiles, haven't even recieved the card yet, but I actually want the Clear,  I didn't think I would be approved for it straight up though, given the threads that I had read here.
 
Is it as simple as asking or are they looking for something specific when you request a conversion?
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Converting Skymiles to Clear or Blue...



Jamesus81801 wrote:
Does anyone know how this process is done, do they check your credit again?
 
I was just approved for Skymiles, haven't even recieved the card yet, but I actually want the Clear,  I didn't think I would be approved for it straight up though, given the threads that I had read here.
 
Is it as simple as asking or are they looking for something specific when you request a conversion?


You can convert at activation over the phone. Clear huh, nice card! What are your FICO scores? Clear is harder to get than Blue.
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: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Contributor
Posts: 133
Registered: ‎07-18-2007
0

Re: Converting Skymiles to Clear or Blue...

Oh I thought Clear was the easier one, that's my concern, they pulled EX and I only have appx. 615 at best right now... If they are checking into my credit again I probably won't bother asking...
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Converting Skymiles to Clear or Blue...



Jamesus81801 wrote:
Oh I thought Clear was the easier one, that's my concern, they pulled EX and I only have appx. 615 at best right now... If they are checking into my credit again I probably won't bother asking...


That is a little low for a clear and even a blue. I believe AMEX will not pull another hard inq when you convert. Just ask them if they do, if they say they won't pull another hard inq, then go for it. You have nothing to lose. Check the threads below to see what types scores are needed for a Clear card approval.
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: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Contributor
Posts: 133
Registered: ‎07-18-2007
0

Re: Converting Skymiles to Clear or Blue...

Actually Fused, I've made use of those threads before from your very links as a matter of fact, so Thank You! for that... and they are, as well as some other threads here, the reason that I didn't originally apply for either the Blue or Clear, I will ask if they pull another hard INQ though... Thanks for the info!!!
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Converting Skymiles to Clear or Blue...

Hmmm.. I always thought clear was easier than blue. Maybe not. Smiley Happy
Moderator Emeritus
Posts: 16,381
Registered: ‎03-12-2007
0

Re: Converting Skymiles to Clear or Blue...

[ Edited ]


Tuscani wrote:
Hmmm.. I always thought clear was easier than blue. Maybe not. Smiley Happy



My bad, I meant to say Blue is harder than Clear!:smileyindifferent
 
P.S. My brain is fried from reading soooo many posts!


Message Edited by fused111 on 07-25-2007 11:59 AM

Message Edited by fused111 on 07-25-2007 12:00 PM
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: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Contributor
Posts: 133
Registered: ‎07-18-2007
0

Re: Converting Skymiles to Clear or Blue...

Alright thanks, I will ask how they handle it upon activation and see what they say... Hopefully it will work out in my favor.
Frequent Contributor
Posts: 353
Registered: ‎07-18-2007
0

Re: Converting Skymiles to Clear or Blue...

I'm thinking of getting a Clear to match my Blue. LOL .... Or should I....
Frequent Contributor
Posts: 342
Registered: ‎06-16-2007
0

Re: Converting Skymiles to Clear or Blue...

I have both Clear and Blue.

Clear has a minimum CL of 4K - so if your delta doesn't have at least a 4K CL then you don't even stand a chance.

Blue has a minimum CL of 1K - so you'll likely be able to convert to Blue.

I recently did a conversion...

I started off with a Blue Cash and a Delta Gold. I asked to convert my Delta to a Clear and they said no, but they happily converted it to Blue Cash.

I then had them convert my existing Blue Cash to a Clear!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.