At present, many banks' platinum cards are fake white, which is what card friends call small platinum cards. The platinum card that most people say is big platinum, and big platinum is really bad.

For example, ICBC's Peony Platinum and Shangri-La Platinum are all big platinum. For example, ABC's worry-free white card and Pudong's standard platinum card are all small platinum cards, so it is not difficult to apply for such platinum cards.

If your qualifications are not very good, don't apply for big platinum. The audit is still very strict. If you have already applied for a credit card in this bank, it is recommended to apply for platinum first, which is relatively easy to apply for a card, and it is possible to increase the limit.

Turn cards

The purpose of upgrading the card is to keep the account unchanged and issue you a new card with a higher level. The general process is: call the credit card customer service hotline-request to upgrade the card-the bank asks for relevant information and checks whether it meets the requirements.

If you meet the upgrade requirements, the bank will issue you a new card, and the old card will be invalid after activation.

Generally, credit cards cannot be upgraded. First, upgrade from ordinary card to gold card, and then upgrade from gold card to platinum card.

Upgrading from a gold card to a platinum card requires repeating the process, but the bank will not upgrade your card level after upgrading. It will take some time before applying. At present, there are not many banks that can upgrade their credit cards by phone or online.

Direct application

Most banks are not suitable for telephone upgrade. At this time, you need to fill in the information at the bank counter to apply. Generally speaking, if you already have a universal card of this bank and are in good condition, you can successfully apply for a gold card again, which is a bit 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.

For many card friends, it should be noted that many platinum cards are not activated and an annual fee is charged.