There is no need to change the card for credit card upgrade. Credit card upgrade usually refers to the increase of credit limit. The bank will judge whether to increase your credit limit according to your consumption record and repayment record, usually once a year. Another upgrade is that Puka is upgraded to a gold or platinum card. In this case, the bank also uses your consumption records and repayment records as the basis for judgment. If you spend a lot and have a good repayment record, the bank will contact you and ask if you need a gold card. There is no difference between a Puka and a Gold Card, but the gifts that can be redeemed for points are different. If the credit card is reported lost, a new card will be issued and the card number will be new.