I don’t want to use regular cards! How to upgrade a regular credit card to a gold credit card?

The level of a credit card directly determines the range of credit limits issued by the bank. Generally speaking, ordinary credit cards have the lowest limits, while gold cards and platinum cards have relatively higher limits. If you apply for a regular credit card for the first time and no longer want to use it after using it for a while, how can you upgrade the regular credit card to a gold credit card?

1. Use credit cards wherever you can swipe cards

When making daily purchases, use credit cards wherever you can swipe cards. Use a credit card regardless of the amount. It is best to diversify the types of transactions and include them from all merchants. Frequent use of credit cards for consumption will make banks think that the cardholder has strong spending power and is capable of spending. It’s not difficult to upgrade a regular credit card to a gold card.

2. Put your credit card on the verge of maxing out

If you want to upgrade your credit card from a regular card to a gold card, increasing the credit limit is the most critical. The bank needs to see that you have enough consumption. capacity and repayment capacity. If a credit card is often on the verge of maxing out, and the cardholder repays the loan on time, the bank will think that the current credit limit cannot satisfy the cardholder's spending power.

3. Credit card repayment on time

The demand for credit card consumption must match the repayment ability. On-time repayment can allow cardholders to maintain good credit. If they just use credit cards blindly for consumption, However, they do not consider their own repayment ability, resulting in overdue loans and interest, which not only brings additional financial burdens to themselves, but also affects their credit score. Once your personal credit is damaged, it would be a dream to upgrade your regular credit card to a gold credit card!

How to upgrade your credit card from a regular card to a gold card?

The upgrade of a credit card from a regular card to a gold card is actually achieved by continuously increasing the limit. The following are several ways to increase the limit of a credit card:

1. Number of uses: frequent use of the credit card , no matter the amount is large or small, as long as the card can be swiped, it will definitely be swiped.

2. Amount: It is best to produce monthly bill consumption that is at least 30% of the total amount.

3. The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.

How to upgrade your credit card? Upgrade your regular card to a gold card, and upgrade your gold card to a platinum card!

We all know that credit cards are divided into levels, including regular card, gold card, small platinum, platinum card, diamond card, black gold card and so on. The higher the level, not only will the quota be higher, but also the rights and interests enjoyed will be more, and it also represents a noble status symbol. Many times, the credit card we just applied for is a regular card, and there are also some gold cards. If you want to upgrade your credit card, how do you upgrade it? Come teach everyone.

Credit card upgrade method one: card transfer and upgrade

Card transfer upgrade means keeping the account unchanged and re-issuing a higher-level card to you. After receiving the card and activating it, the old card It will automatically expire, just cut the card off.

General card transfer upgrades can be done directly by calling the customer service manual. The customer service staff will query your basic credit card information, and the system will determine whether it can be upgraded. Both CITIC and ICBC support this method of upgrading from a regular card to a gold card. If a gold card is upgraded to a platinum card, Bank of China also needs to go to an outlet to fill out a form.

Credit card upgrade method two: apply again directly

For other banks that do not support card transfer upgrade, you can only apply for another credit card. Generally, if you already have a general credit card from this bank, If you use the card and it is in good condition, you can successfully apply for a gold card, which is somewhat similar to applying for a card.

Upgrading from a gold card to a platinum card will be more stringent, so you generally need to fill in the application information again, and some banks also need to provide certain financial proof to upgrade to a platinum card.

In addition, China Merchants Bank can see if it can upgrade its platinum card. You can also enter the credit limit through the Palm Life APP and display "Upgrade high-end card with credit limit to" to upgrade the high-end card online.

The above is the method to upgrade your credit card. I hope it will be helpful to you. Upgrading a credit card generally requires that the existing card has been used for a period of time, and there are no related phenomena such as expiration. I hope everyone can upgrade successfully.

This ends the introduction on how to upgrade a regular credit card to a gold card and whether upgrading a regular credit card to a gold card will increase the limit. I wonder if you found the information you need?