Reply To: What next after 2-4-1?

[baec_newbie]

Downgrading has no effect on your credit score. The biggest issue is in relation to eligiblity for SUBs. It depends on the card in question, but you certainly won’t get a SUB if you have had the same card in the last 24 months, and in some cases (e.g. Platinum SUB) if you have had any personal Amex at all in the last 24 months.

With Barclaycard a viable option (albeit with terrible IT), that may be worth considering going for when they have their next SUB. The current Platinum SUB offer is also very attractive, if you qualify for it.