Advertiser Disclosure

If you upgrade a mile credit card, call to merge your credit line, close your old account

by on Wed November 23, 2011 • No Comment

Now that there are several tiers of mile credit cards for each airline (offering additional benefits like elite qualifying miles or airport lounge club access) many of you are upgrading from your prior base mile credit card to the new feature rich card with a higher fee.

An example would be having the basic Continental OnePass Plus credit card ($95 annual fee) and then applying for the Continental Presidential Plus ($395 fee, but with lounge access), or the Gold Delta SkyMiles Credit Card from American Express  ($95 annual fee) and applying for the Platinum Delta SkyMiles Credit Card  ($150 fee, earns elite qualifying miles).

But…some people have been surprised by getting charged annual fees on both the old and new card after applying for the higher version. That’s because the credit card companies don’t always automatically close the other account on approval– even if the new card completely duplicates the old one’s features.

After you get approved for the new card, make sure you call the credit card company to merge your credit lines and close the old account. Merging your credit lines to keep the higher total credit line helps your credit score, and you avoid getting hit with an annual fee on a card you’re no longer using.

There’s no reason to keep a Continental OnePass Plus or Gold Delta SkyMiles account open if you upgrade to a higher card — all your old features are intact, and you get more with the more expensive card. Just make sure you preserve the credit line.


The following two tabs change content below.

Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

Still confused? Have a question?

Leave a comment below -- we'll reply shortly -- no need to use your real name. Or, use the email form at the top of the page for private advice.

"These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered."

Leave a Reply

Your email address will not be published. Required fields are marked *

X Email Alerts
Hear about new offers and tips