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What kind of FICO reaction can I expect, if any, for doing a product change between 2 Amex cards? Specifically I exchanged my Delta Gold card for a Hilton Honors card.





























Hey SJ! When you did the product change, did you confirm that the new card would retain the old date opened? That's normal for a product change, but I always do that when I do a PC just to be on the safe side.
When I did a PC from an Amex Delta Gold to an Amex Blue Cash, nothing changed -- no closed account, etc. I continued to have exactly one Amex account on my credit reports with the same date opened. So no FICO impact.
If someone changed from an Amex charge card to an Amex credit card, I suppose there could be a change in his utilization.