Whether the platinum card of the Bank of Communications Gold Card needs to be upgraded depends on whether the credit card amount held by the user meets the daily use. If the credit line of Bank of Communications Gold Card is sufficient, there is no need to upgrade at this time. If it is not enough, you can upgrade to a platinum card at this time. Generally, the credit line will be increased when upgrading.

When the gold card of Bank of Communications is upgraded to a platinum card, it needs a deposit card to repay on time, and there is no overdue repayment, because the bank will not increase the quota after overdue repayment. Moreover, overdue repayment indicates that the user's repayment ability is insufficient, and it is possible to reduce the amount after multiple overdue.

It should be noted that after the Bank of Communications Gold Card is upgraded to Platinum Card, the rights and interests that users can enjoy should increase. At this time, spending by credit card can save more money. However, don't spend too much when enjoying the rights and interests. After all, excessive consumption will cause a lot of burden to individuals.

If the user can't repay the loan on time after using the credit card, he can borrow money from friends around him at this time to avoid overdue, but it is best to promise the repayment date when borrowing money, and he can't always borrow money to repay the arrears. In fact, when it cannot be returned on time, it can be repaid in installments.