adiaudi1211 wrote:I have the green card since January 2012, and I'm trying to upgrade to the gold card. Im concern that i will get denied and that will effect my credit score by seeking new credits.
I believe you have to wait until the 13th month due to CARD Act (creditors are not allowed to increase the annual fee during the first 12 months that an account is opened). A lot of times after that 13th month, when you log in they will already offer you the upgrade. If not, you may call them to inquire.