Upgrading Credit Cards

[Anonymous]

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?

[Anonymous]

Good question. I'm wondering the same thing myself. I have a Bofa card that I would like to upgrade to another of their cards with the type of deal that I want. I am eager to see what the answer to this question is.

[fused]

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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?

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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.

[Anonymous]

Hey I just answered my own question partially---You can convert cards within CITI bank--I got an AADvantage AMEX card through them and I just converted it to the Citi® Dividend Platinum Select® MasterCard®, which is a more prestigious card requiring "excellent credit". MY credit scores are far from excellent when I applied for the Addvantage card my scores were
tu: 611
eq:638
ex:652

So I guess it's true! You can convert up without having your credit pulled! This is a good strategy I'm seeing--get your foot in the door, then Level up!

[Anonymous]

i just called up and asked to upgrade on an HSBC/Orchand Bank card...it didn't fly with them. maybe someone else will have some luck with it.