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It has been confirmed by FICO that sub-prime and prime CCs are weighted equally, one is not scored better than the other. This policy will continue with the new FICO scoring model that takes effect this September.
rifleman wrote:
I see there was recently talk of converting or upgrading AMEX Delta Skymiles to AMEX BLUE CASH. I did that and it worked like a charm--no credit pulled, no new account numbers.
I am wondering--can I upgrade any of my other cards--I have a CITI AMEX AAdvantage card, an Orchard Bank Card and a Capital One card.
It worked with AMEX, maybe it'll work with others? Also while we're on that subject, can someone explain how having a prime credit card on a report is more helpful to your FICO then having a subprime card?