rjl wrote:Thanks for the replies.
I had a feeling backdating to the primary's date was a long shot.
So soft pull product changes are only from one charge card to another? and there aren't any no annual fee charge cards.
I guess it would have to be the Blue credit card then, and that would be a hard pull for sure?
Is this something I should do over the phone after explaining the MR transfer and account closure, or do I go apply cold from their webpage for the Blue card and then call for the MR and closure. Are Blue cards approved instantly? I believe I just have a week or so before this account needs to be paid or closed.
Are there any disadvantages to closing a largely dormant gold account that have not been mentioned?
Thanks again for the advice!
It will be a hard pull. If it were me, I would apply online for Blue, which can be instantly approved. I would wait 24-48 hours after approval, to let your online Amex accounts update, and then I would call and cancel the charge card.
"So soft pull product changes are only from one charge card to another? and there aren't any no annual fee charge cards."
Correct on both parts.
Are there any disavantages to closing a gold card that's not being used? Nope. You won't lose backdating if approved for Blue, which is really all you'd have to lose. Since charge cards are 0% interest since you have to pay in full every month, they make their money by charging annual fees. Hope this helps. Also if while apping for Blue you don't get instant approval and you get a message saying your application needs to be reviewed, call and check the status of your app since time is of the essence and you only have about a week. If you don't call it could take longer to be notified.