What To Know
- Yes, it is possible to downgrade your Delta SkyMiles card to a lower-tier card or to a non-SkyMiles card.
- Downgrading your card can be a good option if you don’t use the benefits of your current card enough to justify the annual fee or if you want to save money on your credit card expenses.
- To downgrade your Delta SkyMiles card, you can either call the customer service number on the back of your card or log in to your online account.
Yes, it is possible to downgrade your Delta SkyMiles card to a lower-tier card or to a non-SkyMiles card. Downgrading your card can be a good option if you don’t use the benefits of your current card enough to justify the annual fee or if you want to save money on your credit card expenses.
Why Downgrade Your Delta SkyMiles Card?
There are several reasons why you might want to downgrade your Delta SkyMiles card:
- Lower annual fee: Lower-tier Delta SkyMiles cards have lower annual fees than higher-tier cards. This can save you money each year.
- Fewer benefits: Lower-tier cards come with fewer benefits than higher-tier cards. If you don’t use the benefits of your current card, downgrading to a lower-tier card can save you money.
- Different rewards: Some lower-tier Delta SkyMiles cards earn different types of rewards than higher-tier cards. For example, the Delta SkyMiles Gold Card earns SkyMiles and Delta dollars, while the Delta SkyMiles Blue Card earns SkyMiles and cash back.
- Easier to qualify: Lower-tier Delta SkyMiles cards have lower credit score requirements than higher-tier cards. This can make it easier to qualify for a card if you have a lower credit score.
How to Downgrade Your Delta SkyMiles Card
To downgrade your Delta SkyMiles card, you can either call the customer service number on the back of your card or log in to your online account. If you call customer service, a representative will help you downgrade your card over the phone. If you log in to your online account, you can usually downgrade your card by following these steps:
1. Click on the “My Account” tab.
2. Click on the “My Cards” tab.
3. Click on the “Downgrade Card” link next to the card you want to downgrade.
4. Follow the instructions on the screen to complete the downgrading process.
What Happens When You Downgrade Your Delta SkyMiles Card?
When you downgrade your Delta SkyMiles card, your new card will have a lower annual fee and fewer benefits. However, you will keep any SkyMiles you have already earned. You will also be able to continue using your SkyMiles to book flights and other rewards.
Things to Consider Before Downgrading Your Delta SkyMiles Card
Before you downgrade your Delta SkyMiles card, there are a few things you should consider:
- Annual fee: Make sure you understand the annual fee of the card you are downgrading to. You don’t want to downgrade to a card with a higher annual fee than your current card.
- Benefits: Consider the benefits of the card you are downgrading to. Make sure you understand what benefits you will lose when you downgrade.
- Rewards: Consider the rewards that the card you are downgrading to earns. Make sure you understand how the rewards you earn will change when you downgrade.
- Credit score: If you have a lower credit score, you may not be able to qualify for a lower-tier Delta SkyMiles card.
Other Options to Consider
In addition to downgrading your Delta SkyMiles card, there are other options you can consider if you want to save money on your credit card expenses. These options include:
- Balance transfer: Transferring your balance to a card with a lower interest rate can save you money on interest charges.
- Debt consolidation: Consolidating your debt into a single loan can simplify your payments and save you money on interest.
- Credit counseling: If you are struggling with credit card debt, credit counseling can help you get back on track.
Key Points: Take Control of Your Credit Cards
Downgrading your Delta SkyMiles card can be a good way to save money on your credit card expenses. However, it is important to consider all of your options before you make a decision. By taking control of your credit cards, you can save money and improve your financial health.
Popular Questions
Q: Can I downgrade my Delta SkyMiles card to a non-SkyMiles card?
A: Yes, you can downgrade your Delta SkyMiles card to a non-SkyMiles card. However, you will lose any SkyMiles you have already earned.
Q: How long does it take to downgrade my Delta SkyMiles card?
A: It usually takes 7-10 business days to downgrade your Delta SkyMiles card.
Q: Will I lose my SkyMiles if I downgrade my Delta SkyMiles card?
A: You will keep any SkyMiles you have already earned if you downgrade your Delta SkyMiles card. However, you will not be able to earn SkyMiles on your new card.
Q: Can I upgrade my Delta SkyMiles card back to a higher-tier card later?
A: Yes, you can upgrade your Delta SkyMiles card back to a higher-tier card later. However, you will need to meet the eligibility requirements for the higher-tier card.
Q: What is the best way to save money on my credit card expenses?
A: The best way to save money on your credit card expenses is to use your card wisely. Avoid carrying a balance, pay your bills on time, and take advantage of rewards and discounts.
