Having been seduced by 'the dark side' and the world of Avios collecting I am looking at my VS Amex Card and wondering if I need the black one any more.
I have always been able to use my 2 free upgrade vouchers (when Mrs S had her own card we always managed to use all 4 upgrades every year - just lucky I guess), but potentially I may not qualify for both this year (by July) as I have been loading my multiple other Amex's.
So, I was thinking that as they have just hit me for the £140 charge I will call them, downgrade to the basic VS Amex and get the fee refunded. This will then keep my oldest credit card going (for credit scoring purposes) and also I could then upgrade again in a few years time.
I phoned MBNA and they said I could not 'downgrade' and that the only way to do this was to cancel my card and re-apply for the basic one.
I have come to doubt everything that NBMA (and all Service Centre) staff tell me - especially as in the same phone call he tried to tell me that all spend (including the Visa spend) goes towards the upgrade voucher and that I had qualified already - took 10 minutes to explain to him that it is only the Amex spend that goes to the upgrade voucher).
Anyway, does anyone know if I can downgrade?
Thanks
I have always been able to use my 2 free upgrade vouchers (when Mrs S had her own card we always managed to use all 4 upgrades every year - just lucky I guess), but potentially I may not qualify for both this year (by July) as I have been loading my multiple other Amex's.
So, I was thinking that as they have just hit me for the £140 charge I will call them, downgrade to the basic VS Amex and get the fee refunded. This will then keep my oldest credit card going (for credit scoring purposes) and also I could then upgrade again in a few years time.
I phoned MBNA and they said I could not 'downgrade' and that the only way to do this was to cancel my card and re-apply for the basic one.
I have come to doubt everything that NBMA (and all Service Centre) staff tell me - especially as in the same phone call he tried to tell me that all spend (including the Visa spend) goes towards the upgrade voucher and that I had qualified already - took 10 minutes to explain to him that it is only the Amex spend that goes to the upgrade voucher).
Anyway, does anyone know if I can downgrade?
Thanks