Mountainmanduy wrote:Hello Ncosky thanks for the reply. Sorry I am super new about this. What do you mean backdated? Does that mean my starwood amex credit history will be the same date as the Amex Gold? What is PC? Also, how do you attach accounts to the bottom of my post like you did?
Backdating means that when you open a new account with Amex it will be reported with the date of the first product you had. This helps with you credit report age. (only amex does this)
PC = Product Change. Going from a Delta Gold to a Blue or Green to Gold.
You can add a signature after you reach a certain amount of posts. I think it is 10. You just go to settings at the top of this page and then it is on the left about half way down. It won't show there until you are allowed to do such.
And for your case. Wanting to go from a Gold card to a SPG won't happen because one is a charge card (PIF monthly) and the other is a Credit Card which lets you carry a balance. You would want to sign in to your account and on the top right there is an option for additional cards and you can apply for the card you want. If it is approved then a Hard pull will be reported. If declined then only a Soft pull which is awesome as it doesn't impact your credit.