Originally Posted by
prmetime
Originally Posted by
JJonahJ
Datapoints:
I upgraded a no-fee BMO Airmiles MC to the BMO World Elite MC, full promo offered. However, my wife asked for the same but was denied. i.e., we were both upgrading. I have a small BMO bank account, she does not. Our cards were about the same age, just over a year opened. We each spent between $500 - $8000 on it during that time period, not a lot.
JJJonahJ - When you did the successful upgrade, does this mean no credit pull?
As pokee mentioned, when you do a product change (upgrade or downgrade) the account remains the same within your credit file, even if the card account changes to a new number.
I up-converted from a no-fee Airmiles card to a World Elite MC, which requires $60-$70K income. But, if the FI doesn't ask you to prove your income, you'll get the new card.
i.e., your credit file does not store your income info.