Anyone ever switch credit cards within a company?

aphex

Moderator<br>All Things Apple
Moderator
Jul 19, 2001
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Do they have to run a credit check and everything over again?
 

dionx

Diamond Member
Mar 11, 2001
3,500
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i added Amex Gold after i had a Blue. they did run a credit check.

it all could depend on your history with amex. i got the gold 6 months after i first signed up with amex blue.
 

ravana

Platinum Member
Jul 18, 2002
2,149
1
76
Anyone ever close the original card that they opened the account on?

Any disadvantage to doing this?
 

aphex

Moderator<br>All Things Apple
Moderator
Jul 19, 2001
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Originally posted by: dionx
i added Amex Gold after i had a Blue. they did run a credit check.

it all could depend on your history with amex. i got the gold 6 months after i first signed up with amex blue.

Well, do they also ask questions about your job and whatnot again? I only ask because i recently went back to school again and my income situation has changed.
 

Squisher

Lifer
Aug 17, 2000
21,207
66
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I did it with blue to gold and green. And, my Chase platinum to The Perfect Card.

They run credit checks for everything.

Make sure you cancel your old card at the time you start the new card or your credit limit will be much less.

 

aphex

Moderator<br>All Things Apple
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Jul 19, 2001
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Originally posted by: Squisher
I did it with blue to gold and green. And, my Chase platinum to The Perfect Card.

They run credit checks for everything.

Make sure you cancel your old card at the time you start the new card or your credit limit will be much less.


Yah, definately..... I just really want that BVG :D
 

dionx

Diamond Member
Mar 11, 2001
3,500
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i kept my Blue open after I got the Gold card. the Blue is originally part of the Membership Rewards Options program. but by opening the Gold card which is part of the Membership Rewards program (not "Options"), the Blue also becomes part of the Membership Rewards program.

the Membership Rewards program gains benefits alot faster than the Options program. and by keeping both Blue and Gold, i get the flexibility to carry balances to anything i charge on Blue yet get the same points towards the Membership Rewards program of Gold
 

dionx

Diamond Member
Mar 11, 2001
3,500
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Originally posted by: aphex
Originally posted by: dionx
i added Amex Gold after i had a Blue. they did run a credit check.

it all could depend on your history with amex. i got the gold 6 months after i first signed up with amex blue.

Well, do they also ask questions about your job and whatnot again? I only ask because i recently went back to school again and my income situation has changed.

nope they didn't. they basically ask if you're already an amex member, you login and apply. no extra questions, and you get an instant response.
 

GTaudiophile

Lifer
Oct 24, 2000
29,776
31
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Discover > Discover Platinum > Discover Platinum with Bonus Rewards

Mastercard > Platinum Mastercard > Platinum Mastercard with Rewards

AMEX Delta SkyMiles

All upgrades were pre-approved that I simply took advantage of.
 

dionx

Diamond Member
Mar 11, 2001
3,500
1
81
Originally posted by: Squisher

Make sure you cancel your old card at the time you start the new card or your credit limit will be much less.


what do you mean by that? credit limit will be the same for Blue, and the Gold doesnt have a fixed limit. it revolves around your historical balances.
 

Squisher

Lifer
Aug 17, 2000
21,207
66
91
Originally posted by: dionx
Originally posted by: Squisher

Make sure you cancel your old card at the time you start the new card or your credit limit will be much less.


what do you mean by that? credit limit will be the same for Blue, and the Gold doesnt have a fixed limit. it revolves around your historical balances.

When I got the green Cash Rebate Card they gave me a limit of $5K. I called them asked wtf? They said because my blue was still active they didn't want to extend so much credit. I canceled my blue right then and there and they bumped my limit to $25K on the green.


 

dionx

Diamond Member
Mar 11, 2001
3,500
1
81
Originally posted by: Squisher
Originally posted by: dionx
Originally posted by: Squisher
Make sure you cancel your old card at the time you start the new card or your credit limit will be much less.

what do you mean by that? credit limit will be the same for Blue, and the Gold doesnt have a fixed limit. it revolves around your historical balances.

When I got the green Cash Rebate Card they gave me a limit of $5K. I called them asked wtf? They said because my blue was still active they didn't want to extend so much credit. I canceled my blue right then and there and they bumped my limit to $25K on the green.

was your Green Cash Rebate Card considered a charge card or credit card? if it was a charge card, i thought there was no fixed limit on any of their charge cards.

 

aphex

Moderator<br>All Things Apple
Moderator
Jul 19, 2001
38,572
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Well which one should i go with to get the BVG?

Starwood seems like a nice option, free the first year and BVG as opposed to $130/yr for the Gold.
 

Squisher

Lifer
Aug 17, 2000
21,207
66
91
Originally posted by: dionx
Originally posted by: Squisher
Originally posted by: dionx
Originally posted by: Squisher
Make sure you cancel your old card at the time you start the new card or your credit limit will be much less.

what do you mean by that? credit limit will be the same for Blue, and the Gold doesnt have a fixed limit. it revolves around your historical balances.

When I got the green Cash Rebate Card they gave me a limit of $5K. I called them asked wtf? They said because my blue was still active they didn't want to extend so much credit. I canceled my blue right then and there and they bumped my limit to $25K on the green.

was your Green Cash Rebate Card considered a charge card or credit card? if it was a charge card, i thought there was no fixed limit on any of their charge cards.

Credit, like the blue, not like the Gold.

But, I can't wait to see just how much cash back I'm going to have this year. March is my anniversary date for the card and that's when they pay the cash out. This year will be my best yet, I charge everything.




 

dionx

Diamond Member
Mar 11, 2001
3,500
1
81
does the starwood get you into the Membership Rewards program or the Options program? i like the Preferred Rewards Gold because for every $1 i spend, i get 1 point which i can transfer to 1 airline mile. that's better than the basic Gold which gets you 1 mile for every 2 points.
 

Kermy

Senior member
Sep 15, 2000
375
0
0
I have Amex Gold then got the Blue Cash. Going to get the Starwood as that's a better overall deal for me than keeping the Gold for BVG.
 

gaucho20

Member
Jan 24, 2002
82
0
0
I switched from one citibank card to another (better rebates) and they didn't run another credit check nor even give me a new number. Took less than a minute over the phone.