• Can you downgrade your credit card and still keep the credit card history?

    Posted by Keagan on August 23, 2023 at 1:16 pm

    I’m thinking of trying to downgrade some airline credit cards to other cards with the same banks to keep the history (of having the two cards 30 + years each.) But is this even possible?

    Isn’t the bank (Citibank and Chase) the company that ”owns” my history? I don’t need airline cards when I have all the other desirable cards (Chase Sapphire Reserve, Capital One, etc.).

    Some no-fee cards with those banks would be fine.

    Carmela replied 1 month, 4 weeks ago 1 Member · 7 Replies
  • 7 Replies
  • Israel

    Member
    October 4, 2023 at 1:16 pm

    The important numbers for credit are (1) how much you have and (2) what % available.

    I downgraded a Citi Premier to a no fee rewards and an Amex Delta Reserve to a no fee delta.

  • Nedra

    Member
    October 4, 2023 at 1:16 pm

    The banks generally do not allow you to upgrade or downgrade between different families of cards they offer.

  • Khalid

    Member
    October 4, 2023 at 1:16 pm

    I changed my AA Platinum Select to Citi Premier 2 months ago

  • Lorna

    Member
    October 4, 2023 at 1:17 pm

    Just close the card(s).

    It’s ok, really.

    Accounts stay on your credit report for 10 years from the closing date.

    As long as it doesn’t significantly change your utilization % the effects of closing will be minimal.

  • Nedra

    Member
    October 4, 2023 at 1:17 pm

    You can’t go from an airline card to a hotel card or whatever. See if they have a $0 af version of your card

  • Leonard

    Member
    October 4, 2023 at 1:17 pm

    You might be able to downgrade to no fee ones with the same airline but (at least with Chase) you can’t change among product families.

  • Carmela

    Member
    October 4, 2023 at 1:17 pm

    There are no-AF versions of at least some of the airline cards that you could potentially change to. Chase has the United Gateway Card, Amex has the Delta Blue

    But as another person said, you can only PC within a product family. For co-branded cards, that means other co-branded cards with the same partner

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