Originally Posted by flyer4512

I can assure you that you can't have a open Earner and Earner Plus card at the same time...........this is exactly why I was denied ( written in the letter I recieved) and then after an agent looked at my account he approved me as my Earner card had been closed weeks before I reapplied but had not updated in the system.

As far as closing cards, as long as you keep then close to a year it won't have any impact on your credit score, my wife and I have been churning cards HEAVY going o 20 years and both have plus 800 FICO.

If you want to play the churn game these days you have to close cards as it's different today than years ago when you could have say 5 open Hilton Card, 5 AA, etc..........I'm pretty sure no banks today allow you toget approved for a card you already have.

We do have some cards that we don't churn and keeping those open helps your credit score.

Unless I'm missing it that upgrade from Earner to Earner plus doesn't offer any points, at best it's 7500 points for paying the $75 AF but I'm not even sure about that as the 7500 is a second year offer if you apply from scratch. Either way 7500 points for paying $75 is a wash.

This is the exact text the person who wrote that article left.......

Since there is no upgrade offer to earn bonus points, you would probably be better off applying for this card as a new card. If you still want to continue with the online upgrade, click the Yes, I Accept button to complete the product change.