According to the conditions for upgrading official website Platinum Card of Industrial Bank, the application conditions for upgrading Platinum Card are as follows:
1. The applicant is an individual who has reached the age of 18, has full capacity for civil conduct, has a legal and stable income source and has a good credit status.
You must have a house and a car to handle it. Among them, the automobile output value is more than 250 thousand, and the real estate is more than 75 square meters. The quota is above 30 thousand.
Now your online loan is overdue for 40,000 yuan and has not been changed, which proves that your credit information has been damaged, which leads to your failure to meet the requirements of good personal credit, so you can't upgrade your platinum card. I suggest you know your credit status, the use of Industrial Credit Card, the annual fee and rights of Platinum Card before applying, and then make a reasonable judgment according to your own needs and expectations.