Here's a related question I got over lunch today from a friend:
My friend wants to switch over to a different credit card. She already has a "regular" VISA with no bells and whistles, but she wants to move over to a VISA Gold Rewards card since she's not getting any right now through her normal card.
If she does a switch, will this affect her credit? Will the bank have to do a look on her credit history even though she's essentially just upgrading her card?
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