Debit cards cannot be upgraded to credit cards. If you want to apply for a credit card, you must first submit relevant information, pass the bank's review, and then apply for a new one. You must be over 18 years old.

What is the difference between a debit card and a credit card?

1. Different consumption methods: If you want to use a debit card for consumption, you need to deposit money into it first, and then you can spend it. But if you use a credit card for consumption, you can use it directly and pay it back in time later.

2. Different application conditions: Debit card application is more convenient and faster. Users who are over 16 years old can bring relevant documents to the bank counter for application. Credit card applications are more stringent. First of all, users must be over 18 years old, and must provide relevant information to prove that they have a stable job and financial resources, and their personal credit must meet certain standards. Banks will evaluate and review users, and only if they pass the review can they issue a credit card to the user.

3. Different annual fee standards: Most debit cards have no annual fee, while the annual fee for credit cards is relatively high, and the annual fees vary greatly depending on the type of card.

4. Different impacts on personal credit: Debit cards have basically no impact on personal credit, because only users with money in the card can make purchases and cannot overdraft, so these consumption and expenditures have nothing to do with the bank. It’s about the users themselves. But credit cards can be overdrafted, which means it can have an impact on personal credit. If the loan is not repaid before the repayment date, it will have an impact on your personal credit score.

5. Different security: Credit cards are more secure. Banks will protect credit cards and strictly manage them through multiple measures, but relatively speaking, debit cards are not as secure.