Jun 16, 2015, 4:43 pm
Last edit by: pseudoswede
Amex Product Conversion Options
Call The Number On Back Of The Card
PERSONAL
CHARGE
Green, Gold, Platinum <--> Green, Gold, Platinum
CREDIT
Blue Cash Preferred <--> Blue Cash Everyday
Delta (G,P,R) --> Delta (G,P,R), Hilton (HHonors, Surpass), Starwood
Starwood <--> None (as of 7/3/2018)
BUSINESS/OPEN
CHARGE
Green, Gold, Platinum <--> Green, Gold, Platinum
CREDIT
Delta (G,P,R) --> Simply Cash
Call The Number On Back Of The Card
PERSONAL
CHARGE
Green, Gold, Platinum <--> Green, Gold, Platinum
CREDIT
Blue Cash Preferred <--> Blue Cash Everyday
Delta (G,P,R) --> Delta (G,P,R), Hilton (HHonors, Surpass), Starwood
Starwood <--> None (as of 7/3/2018)
BUSINESS/OPEN
CHARGE
Green, Gold, Platinum <--> Green, Gold, Platinum
CREDIT
Delta (G,P,R) --> Simply Cash
USA card product conversions...
Jul 5, 2018, 11:09 am
#137
FlyerTalk Evangelist
Join Date: Apr 2001
Location: Denver, CO
Programs: UA Silver, Bonvoy Gold, Hyatt Discoverist
Posts: 21,540
Jul 5, 2018, 1:04 pm
#138
Join Date: Aug 2007
Location: Truth or Consequences, NM
Programs: HH Diamond, Marriott Titanium, Hertz President's Circle, UA Silver, Mobile Passport Unobtanium
Posts: 6,192
Aug 2, 2018, 4:23 pm
#139
Join Date: Dec 2006
Posts: 333
Ironically, my current Delta card used to be an SPG card (2 years ago). I wanted to convert it back to an SPG card today, and I was told Delta can only convert to other Delta cards.
Aug 5, 2018, 6:44 am
#140
Join Date: May 2015
Posts: 1,066
Cancel or Product Change Delta Gold cards
My wife and I have 3 Delta gold cards (2 personal and 1 biz) and the annual fee just hit in late July. We basically just sock drawered the cards as we got the sign up bonus last year. Does anyone know if there are any good product change options or is my best bet just to cancel all 3 of them?
Aug 27, 2018, 6:07 pm
#143
Join Date: Dec 2006
Posts: 333
Confirmed that I was rejected due to being over the limit.
I called recon, they refused. Said I had to cancel enough cards to be below the limit by 1, and then they will re-submit the application for manual review (won't review it with me right then and there on the phone).
My suggested course of action to them was to close an existing card that I don't use much (and haven't been able to convert to anything useful) and instantly replace it with the SPG Luxury card. They said they aren't "capable of doing that." I will note that this is something I've done in the past, though it was several years ago.
I called recon, they refused. Said I had to cancel enough cards to be below the limit by 1, and then they will re-submit the application for manual review (won't review it with me right then and there on the phone).
My suggested course of action to them was to close an existing card that I don't use much (and haven't been able to convert to anything useful) and instantly replace it with the SPG Luxury card. They said they aren't "capable of doing that." I will note that this is something I've done in the past, though it was several years ago.
Sep 7, 2018, 8:18 pm
#144
Join Date: Dec 2006
Posts: 333
Final update from me on this front... Looks like I can never get a new Amex credit card again because I'm way over the limit of 5 total (personal *plus* business).
I reached out to the executive office for support to see if they could convince leadership on the card lending side to make an exception or to simultaneously close one card (that isn't eligible for a PC to SPG) and open the new SPG Luxury card, transferring the credit line over.
I was told it's now impossible to do that. I would have to close enough credit cards to bring me down to *four* total, and then they will be able to open the new SPG Luxury Card for me.
Unfortunately, that doesn't work for me.
Ending the Delta card <-> SPG card product conversion track is a horrible thing. (Mainly because I have a Delta card solely because I PC'd my personal SPG card many years ago over to it -- that was a mistake!)
I reached out to the executive office for support to see if they could convince leadership on the card lending side to make an exception or to simultaneously close one card (that isn't eligible for a PC to SPG) and open the new SPG Luxury card, transferring the credit line over.
I was told it's now impossible to do that. I would have to close enough credit cards to bring me down to *four* total, and then they will be able to open the new SPG Luxury Card for me.
Unfortunately, that doesn't work for me.
Ending the Delta card <-> SPG card product conversion track is a horrible thing. (Mainly because I have a Delta card solely because I PC'd my personal SPG card many years ago over to it -- that was a mistake!)
Sep 8, 2018, 1:29 am
#145
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
Sep 8, 2018, 1:47 am
#147
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
In my understanding closed accounts remain on our credit history for a decade after they are closed. I daresay that if you hold more than five credit cards American Express will eventually close some of them anyway.
Also, bear in mind that the Business cards do not even appear on your personal credit report.
Also, bear in mind that the Business cards do not even appear on your personal credit report.
Last edited by mia; Sep 8, 2018 at 2:00 am
Sep 8, 2018, 2:17 am
#148
Join Date: Dec 2006
Posts: 333
That's correct. Although, once they're closed they stop getting older, and thus their meaningful impact on average age of accounts diminishes over time. That's what I'm most worried about.
Sep 9, 2018, 7:13 am
#149
Join Date: Sep 2011
Posts: 1,857
The only thing you would need to be concerned about closing cards is the effect on utilization % due to now reduced available credit. You sound like someone that has plenty of cards that this should be much of an issue.
Sep 9, 2018, 4:14 pm
#150
Join Date: Dec 2006
Posts: 333
Incorrect. For each card that appears on your credit report--whether open or closed, FICO calculates it's age as the difference between it's opening date and the current date.
The only thing you would need to be concerned about closing cards is the effect on utilization % due to now reduced available credit. You sound like someone that has plenty of cards that this should be much of an issue.
The only thing you would need to be concerned about closing cards is the effect on utilization % due to now reduced available credit. You sound like someone that has plenty of cards that this should be much of an issue.