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if you have a credit card that you dont use anymore and youre considering canceling it dont do that just consider product changing it instead so the first thing we need to cover is what is a product change product changing a card basically just means that you want to go ahead and use the exact same card number and information and credit history with that one card you have and then change it to a different product that earns you theoretically better Rewards or just fits your overall strategy better so in even shorter terms you want to exchange your card that youre using now for a better one now besides canceling a card there are three main ways that you can actually change which cards you have but keep that credit history and everything intact you can either downgrade the card upgrade the card or product change the card downgrading a card is a good method if youd like to go ahead and take a card that you have with a high annual fee for example and either lower that annual fee or kn
