Will my credit report be checked when I upgrade my credit card to a platinum card? I will check the credit report. After all, the requirements for platinum cards are higher than those for gold cards. The bank will conduct a comprehensive assessment of the cardholder's qualifications from multiple aspects to get an accurate understanding. The credit report can fully reflect the cardholder's qualifications because of the upgrade. The Platinum Card will issue a new card, which is equivalent to applying for a second card from the bank. For this reason, banks will conduct credit checks in the name of credit card approval. If the upgrade is successful, the information of a platinum card will be added to the credit record of the same bank, including the account opening time and limit. Wait, if the upgrade fails, a credit card approval inquiry record will be left.
So, what aspects should be checked when upgrading a credit card to a platinum card? 1. Overdue record: that is, the repayment record in the past 5 years. Check whether there is an overdue record. If there is, the overdue situation will be judged based on the number of overdues, the amount, etc. If the overdue circumstances are serious, such as three in a row and six are currently overdue, the payment will be directly refused. Upgrades, as well as special transaction records such as bad debts, debts with capital, compensation, etc. will also be rejected. 2. Credit record: that is, if you have loans or credit cards in other financial institutions or banks, the applicant's qualifications will be evaluated based on the total credit limit, debt ratio, credit institution and other information to determine whether it meets the upgrade conditions, and the card approval limit, etc. 3. Inquiry records: Look at the inquiry records such as loan approval, credit card approval, guarantee qualification review, etc. If there are many inquiries and they are all concentrated in the same time period, it means that the applicant is short of money and his repayment ability will be questioned and he will be The bank has included in the list of high-risk customers and will not easily agree to upgrade the platinum card. The above is the relevant introduction to "Will the credit report be checked when upgrading a credit card to a platinum card?" I hope it will be helpful to everyone.