Thinking about ditching one of your credit cards?
Before you close the account, consider upgrading or downgrading your credit card instead.
In general, you can upgrade or downgrade your current credit card to a different card with the same company.
Maybe you’re tired of paying that $95 annual fee for a card you don’t really use anymore, and you want to downgrade to a card with no fees.
Or maybe you want to upgrade your basic cash back card to a premium credit card to help pay for your upcoming honeymoon.
Downgrading or upgrading a credit card is also called
