Originally Posted by
controller1
Are you truly planning on upgrading the card? You state that you plan on keeping the SPG personal card. So are you planning on having both the personal SPG Amex and the Luxury SPG Amex?
I currently have the SPG personal card (had it for a long time) and my AF hit last month. I have decided to pay the AF and keep it for at least one more year. As I mentioned in my earlier post, since I am paying $95 does it make sense to upgrade to the luxury card, w/o a hard pull, and get 100,000 points for an effective additional $55. I do not want a hard pull on my credit so wanted to be absolutely sure that the upgrade wouldn't trigger one before I seriously considered the upgrade. No I don't plan to have both.