Credit cards (debit cards) are divided into three grades according to the cardholder's credit rating, repayment strength and consumption forecast, namely ordinary cards, gold cards and platinum cards. Credit card (debit card) is the most basic and platinum card is the highest. You should know that the credit card (credit card) level is also upgraded by some methods.
The most common way to upgrade is to spend more and swipe your credit card (debit card). If you have a fixed consumption every month, you can apply to increase the amount of your ordinary card. When the amount of your ordinary card reaches a certain amount, you can apply to the bank credit card (debit card) center to upgrade your ordinary card to a gold card.
Secondly, Puka's repayment credibility is good, so it's better not to be overdue. It is relatively difficult for overdue users to apply for upgrade. At the same time, the bank will also consider the time to open the card. If you apply for an upgrade soon after opening the card, the bank will question whether you need a credit card (debit card) for emergency expenses and your repayment ability, so it is better to pay more attention.
How to upgrade a credit card from Puka to Gold?
Credit card from Puka to Gold Card is actually realized by constantly increasing the amount. Here are several ways to increase the credit card limit:
1, frequency of use: credit cards are often used, no matter how much they cost, as long as they can swipe their cards, they will definitely spend money.
2. Amount: It is best to generate at least 30% of the total bill every month.
3. The bill of credit card consumption needs to last for 3 months in a row, and it can't be broken in the middle, that is, there must be consumption every month.
How to upgrade the credit card? Puka upgrade gold card, gold card upgrade platinum card!
As we all know, there are different grades of credit cards, such as Puka, Gold Card, Small Platinum Card, Platinum Card, Diamond Card, Black Gold Card and so on. The higher the level, not only the higher the quota, but also the more rights and interests enjoyed, which also represents a noble status symbol. Many times, the credit cards we just handled are ordinary cards, and there are also individual gold cards. How to upgrade your credit card? To teach everyone.
Credit card upgrade method 1: card upgrade
The purpose of card upgrade is to keep the account unchanged and issue you a new card with a higher level. After receiving the card and activating it, the old card will automatically become invalid, so just cut it off.
Generally, you can upgrade the card directly by calling customer service manually. The customer service staff will inquire about the basic information of your credit card, and the system will judge whether it can be upgraded. Both CITIC and ICBC support this approach. If the card is upgraded to a gold card, China Bank needs to fill in the form at the outlet.
Credit card upgrade method 2: reapply directly.
Other banks that do not support card upgrade can only apply for another credit card. Generally speaking, if you already have a universal card of this bank and use it well, you can successfully apply for a gold card, which is somewhat similar to the way of handling cards with cards.
Upgrading a gold card to a platinum card will be more stringent, and it is generally necessary to fill in the application materials again. Some banks need to provide certain financial proof to upgrade their platinum cards.
In addition, China Merchants Bank can see if it can upgrade its Platinum Card. You can also access the credit line inside through the Pocket Life APP, display "Upgrade High-end Card to" and upgrade the high-end card online.
The above is the method of credit card upgrade for everyone, I hope it will help you. Credit card upgrades generally require the use of existing cards for a period of time, and there is no related phenomenon such as overdue. I hope everyone can upgrade successfully.
So much for the introduction of how to upgrade a credit card to a gold card.