When I arrived as an immigrant back in 2002, like all new US immigrants I had no US credit history, and consequently, despite having history of credit in other countries, I had a weaker US FICO score than most sixteen year old kids working a paper run. However, I did have an American Express account in my birth country, which I was able to leverage into a new US credit line when I got here. So, my Amex Plat account is my original US credit line. The cardinal rule of managing your credit seems to be to ensure you keep open your oldest line of credit. So, in my case, paying the $450 a year in Platinum card fees isn't even a decision. However, Mrs Global Explat has an additional card on this account, the fee for which is $175 pa. What I'd appreciate some views on is the relative value between paying the $175 as an additional cardholder (our current situation) and instead signing her up for her own $450 card (an additional $275 pa to us in fees). Is this even possible? WIll American Express let additional cardholders close down their existing cards and sign up for their own new accounts (and get the current 50k signup etc etc)??? Appreciate any experience members have with this.