Originally Posted by
boilers
So do upgrades affect your credit score? Could you go from a no annual fee HHonors American Express to the Surpass without it affecting your credit score? I am curious as I too will likely be shopping for a new mortgage this year.
Yes, you can switch back and forth between the regular HH Amex and the Surpass. They'll let you keep the same account number so this shouldn't be considered a new line. In fact, I moved from Delta Amex to the HH to the Surpass back to HH. (i had a year of heavy hilton stays). I have the same card number as in the beginning. It's reported as the same card on my credit report.