Changing AMEX card

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Changing AMEX card

Postby pswinontario » Thu Apr 30, 2015 12:19 pm

Does Changing Amex card affects on Hard Credit check.

I have amex blue sky and planning to switch to AMEX blue cash..

Does it affects credit score?

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Re: Changing AMEX card

Postby takeshi » Thu Apr 30, 2015 1:38 pm

A product change does not involve a hard pull. It's if you're approved for a new card that will result in a hard pull.

pswinontario wrote:Does it affects credit score?

A product change will not affect your scores. A new card will.

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Re: Changing AMEX card

Postby CarefulBuilder14 » Sun May 03, 2015 1:10 pm

Is it well-established that blue sky can be easily PC'ed into blue cash?

It's not clear to me that the rules around PCs are at all consistent. Sure, you can't make a charge card a true credit card. But other than that, some strange PCs have been allowed, and some simple ones have been denied.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech

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