I currently have the Amex Premier Rewards Gold (PRG) card with about 90K Membership Rewards. I do not wish to pay the annual fee (free for the first year) on renewal of my account this month and would like to retain my membership reward miles. Question 1: Will Amex approve me if I apply for the Everyday card even though I have frozen all my credit reports? I can then go ahead an cancel my PRG card. Question 2: Since I currently have a PRG card, doesn't Amex already have access to my credit report (I do get a FICO score on my Amex account) even though my credit reports are frozen? Question 3: Assuming Amex does approve me for an Everyday card (even with frozen credit reports), how do I transfer the Minimum Rewards points from the PRG card to the Everyday card?

Separately, I froze my credit reports because of recent hacks/data breaches at Equifax, etc. I have no intention of lifting the freeze.

Many thanks in advance.