Advantages:

1. The Platinum Card has greater rights and interests and can enjoy exclusive services. For example, if your consumption points are doubled, others may get 1 point by swiping their card, but you can get 6 or 9 points by swiping your card, which also means you can get more discounts than others. At the same time, they can enjoy national airport and high-speed rail VIP lounge services, car road assistance, flight delay insurance, free golf practice and free golf services, while Puka users do not enjoy these services.

2. In addition, the amount of the Platinum Card will be higher than that of the ordinary card. Domestic transfers and cash withdrawals with platinum cards from some banks are free of handling fees. Whether you do it over the counter or at an ATM, cash withdrawals with regular cards usually have a 1% fee.

3. The higher the credit card level, it is also a symbol of identity and status. It not only represents your increasing financial affordability, but also represents your better credit. It seems to have more faces.

Disadvantages:

1. The more services the Platinum Card provides you, the more annual fees you need to pay. Generally speaking, the annual fee for a platinum card is more than 3,000 yuan and cannot be reduced. If the number of Pu card purchases reaches 6 or 8 times, the annual fee will be waived. If your financial resources are unstable, this will increase the financial stress in your life.

2. After upgrading to a platinum card, the amount will generally increase, which will stimulate your desire to spend. You may be overdue due to excessive spending, poor management, etc., or suffer a large amount of theft, which will affect your personal credit investigation. It is worth noting that you may be upgrading to a "fake platinum card". Your credit card limit will not increase, nor will the services you receive, but your annual fee will.

Therefore, before upgrading to a platinum card, you should confirm the identity of the caller, ask for the work number, and consider applying for a credit card after confirming that it is a bank employee. Furthermore, this is determined based on their actual needs and conditions. Think about it carefully. If it's just to save more face, you can't upgrade. After all, the annual fee is no small expense. This is mainly because the bank's credit card center is very different from other departments. This is a business part. Employee performance is tied to performance, so I won't tell you from your perspective. In addition, credit cards are generally divided into three levels: ordinary card, gold card and platinum card. Different cards have different thresholds and rights, as well as different requirements for cardholders' financial ability and credit investigation, which will bring corresponding benefits to banks and cardholders.