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Does an upgrade submit new information to CBs?


billyd
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I have a Delta Gold AMEX card, I got an offer for 50K miles for the Platinum so thought about upgrading. Does upgrading submit new information to CBs? For example, when I got the card I lived at another address (I think the CBs have only that address on file). Would upgrading have the credit card company send my new address info to the CBs? I assume the only thing that changes is the card type, but maybe not.

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I have a Delta Gold AMEX card, I got an offer for 50K miles for the Platinum so thought about upgrading. Does upgrading submit new information to CBs? For example, when I got the card I lived at another address (I think the CBs have only that address on file). Would upgrading have the credit card company send my new address info to the CBs? I assume the only thing that changes is the card type, but maybe not.

AmEx will ultimately report the new address whether you upgrade or not.

Other than that, since your credit limit or account number will not change, nothing else should change on your credit reports.


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