1. Credit cards are divided into three categories based on the cardholder’s credit rating, repayment strength, consumption estimates, etc. They are regular card, gold card and platinum card. Regarding credit card levels, regular cards are the most basic, and platinum cards are the highest. You should know that credit card levels are also upgraded through some methods.

2. The most common way to upgrade is to spend more and swipe more cards. If you have fixed consumption every month, you can apply for a limit increase. When your regular card limit reaches a certain limit, you can apply to the bank's credit card center. Upgrade regular cards to gold cards.

3. Secondly, the repayment credit of the regular card should be good, and it is best not to have overdue payments. It is relatively difficult for overdue users to apply for upgrades. At the same time, the bank will also consider the time when the card was opened. If you apply for an upgrade soon after opening the card, the bank will question whether you need the credit card for emergency expenses and your ability to repay, so it is better to pay more attention.