Will it impact my credit score if I drop the AmEx Platinum card for the Gold or Green charge card? Not interested in the new $550 annual fee.

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Posting as :
works at
You are currently posting as works at

If you call and ask to downgrade your platinum to a gold it will have zero impact on credit score or credit age

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Just product change then

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FYI ... I just called AmEx to downgrade to Green. Instead, they locked-in my annual fee at $450 and gave me a $300 credit.

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No further response required. ZS 👍🏼

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What about account age? Since one is closed and another opened won't the credit report lose the value of having an older account?

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Correct, downgrading your card doesn't show up as anything on your credit, it is as if nothing happened as far as the credit agencies are concerned

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