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    • Meehash
    • By Meehash 16th May 19, 8:57 PM
    • 19Posts
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    Meehash
    Upgrading credit card vs account history
    • #1
    • 16th May 19, 8:57 PM
    Upgrading credit card vs account history 16th May 19 at 8:57 PM
    I received an offer from Barclaycard to upgrade my Initial (now called Forward) Barclaycard to Platinum. If I do agree - how is it reflected in the reports? Would my current credit card account be just updated or would it involve settling the old account and opening new one?
Page 1
    • Gary_Dexter
    • By Gary_Dexter 16th May 19, 8:59 PM
    • 4,460 Posts
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    Gary_Dexter
    • #2
    • 16th May 19, 8:59 PM
    • #2
    • 16th May 19, 8:59 PM
    It depends how they treat it.
    You would need to ask them really.
    • Meehash
    • By Meehash 16th May 19, 9:14 PM
    • 19 Posts
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    Meehash
    • #3
    • 16th May 19, 9:14 PM
    • #3
    • 16th May 19, 9:14 PM
    Well I did, but the guy only repeated they wouldn't make another credit search and... carried on persuading me to upgrade. I don't want to open new credit account in the near future (applying for a mortgage soon), but I don't mind better rate or other goodies if it's just upgrade.
    • Gary_Dexter
    • By Gary_Dexter 16th May 19, 10:43 PM
    • 4,460 Posts
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    Gary_Dexter
    • #4
    • 16th May 19, 10:43 PM
    • #4
    • 16th May 19, 10:43 PM
    When they upgrade you they usually don’t search.

    The question would be whether they close the old account or just upgrade the existing one.

    When I changed from the freedom rewards card to a platinum card they kept the same account but just issued a new card
    • stu2500
    • By stu2500 17th May 19, 10:21 AM
    • 138 Posts
    • 19 Thanks
    stu2500
    • #5
    • 17th May 19, 10:21 AM
    • #5
    • 17th May 19, 10:21 AM
    When mine was changed from Gold to Platinum a few years ago, no changes were made on my credit account and no extra accounts were opened. But, this was around 6 years' ago.
    • yams
    • By yams 17th May 19, 1:18 PM
    • 9 Posts
    • 2 Thanks
    yams
    • #6
    • 17th May 19, 1:18 PM
    • #6
    • 17th May 19, 1:18 PM
    Just to add to what everyone else has said... I've been upgraded a couple of times with Barclaycard and it's always been the same account and no credit searches. They are probably choosing to upgrade based on your usage of the card you have with them.
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