Can you call your credit card co. and tell them to switch you to a different card?

Question

If you call Amex, Discover, CapitalOne, etc etc, and tell them that you're not happy with your current card, and want a better one from their selection, being that you're their customer, is it possible for them to switch you to another card they carry if you qualify for one?

Answer 1

They will do card conversions as long as you qualify for the card you are requesting.

Length of time you had the card is really not much of a factor. Many people have converted cards almost as soon as being approved for one card.

I wouldn't recommend saying you are not happy with your current card or use the word better when asking about conversion. Simply state that your current card is not what you really want and you would like to convert to

For example -- you have the Amex Delta Gold, which has an annual fee, you might call and ask if you can convert to either the Blue, Blue Cash or Clear.

If you really don't know what card you want, then you might ask the CSR what cards you would qualify to convert to. Specify that you do not want a card with annual fees and that doesn't report credit limits.

If that particular CSR says it's not possible, call back and speak to another (there are a few CSR's that either don't know much about conversion or don't want to bother doing it)

When I converted one of my cards, it took less than a minute for me to request it and for the CSR to convert it. Then the CSR spent the next 4 or 5 minutes explaining the details of the new card.

If you have a "charge" card and not a "credit" card, you may find it a bit difficult to convert to a "credit" card.

Answer 2

They may switch you to another card. It could depend on how long you have been a customer, credit experience and other factors. It never hurts to ask.