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every one credit sure for here and today we are going to be talking about when it makes more sense to do a product change or card upgrade on your existing account rather than doing a new application for a new credit card now normally we advise people to do new applications because that means youll get the signup bonus if you do a product change if you do an upgrade you normally wont get a signup bonus unless youve got some kind of targeted upgrade offer like I got with the Amex surpassed card 75,000 Hilton Points that card is now called the Amex ascend card by the way but that was a targeted offer and those are reasonably rare so lets look first of all at what effect it can have on your credit score closing an account and opening a new one so lets say that you are going to close an account and its an old account right now that will have an adverse effect on your average age of accounts which is one of the factors that goes into working out your credit score now I want to clear up