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Posted by / 23-May-2020 12:52

No crdit card need for upgrade sex sit

Happily for people with those concerns, it’s unlikely that being switched to a new credit card will damage your credit, whether you’re getting a new Costco card or Fidelity Visa, or you’ve heard from another issuer that your account is being transferred to a different credit card.

Normally, getting a new credit card can lower your score slightly in two ways.

“Those transactions happen behind the scenes and they don’t usually create a credit-score-impacting event,” Chaplin says.

Whether a new card card represents a new credit account comes down to who is initiating the change, says Ken Chaplin, senior vice president at Trans Union credit bureau.

If you ask your credit card issuer to upgrade you to a different card, or you apply for a second card with the same issuer, the issuer will pull your credit report and, if you’re approved, open a new account. But if a change comes from the issuer, it’s usually treated as the same account you had before.

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That means you’re using a smaller percentage of your available credit, and that’s good for your credit score.

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