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 the gold card with the credit card Puka?

First of all, you should spend more by credit card, keep continuous spending every month and take the initiative to apply for cash withdrawal. When your Puka reaches a certain amount, you can apply for upgrading to a gold card. Like Puka, the maximum amount is about 1 1,000 yuan. When your Puka reaches this amount, you can apply for upgrading your card level. If your credit card record is good and your spending power is good, the bank will upgrade your card.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China has exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

According to the "20 13-20 17 report on the in-depth investigation and investment strategic planning of China's credit card industry", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures to curb the excessive rise of asset prices and control inflation, which shows that macro-prudential and strengthening capital supervision have become the supervision of China's banking industry.

The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth.

20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve.

According to the report issued by the People's Payment and Settlement Department of China, as of the third quarter of 20021,there were 798 million credit cards and debit cards, up by 0.97% from the previous month, and each person held 0.57 credit cards and debit cards.

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.

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.

This concludes the introduction of how to upgrade the gold card and how to upgrade the credit card. I wonder if you have found the information you need?