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After you suggestion i dont see a point to consolidate, what do you guys think of product change form Delta Gold to Pen Fed Amex?
Your Delta card is backed My American Express Centurion Bank, the Penfed Amex is backed by Penfed Bank. You can't product change to another bank, you can call the number on the back of your card and ask them what cards are available that your able to PC to from Delta.