Originally Posted by
caGALINDO
If you "downgrade" you are still opening a 'new line' of credit which will decrease your score for a few months. Even if it doesn't need a new credit check your credit would go down because the average # of years you've had credit will go down.
Really depends on how the change is processed. Citi is quite capable of processing a downgrade without a new tradeline, according to the reports people have mentioned here.