Introduction of credit card upgrade method:
1. Choose a credit card when you need to spend.
There is absolutely no need for cash in places where you can swipe your card outside, which makes the bank feel that you are used to spending with credit cards, and your dependence on credit card consumption is still relatively large.
2. Reasonable use of credit card limit
Remember not to maxed out your credit card when spending. It is best to use a line close to the credit card limit, and it is best to have such consumption every month. It will make banks feel that the user's credit limit is not enough, and it is necessary to increase the credit card limit to meet the user's consumption.
3. Remember to repay the loan on time.
If a good personal credit record is the premise of credit card upgrade, then timely repayment is the key to credit card upgrade. Pay off all debts before the final repayment date, and banks will also think that they have a good reputation and lay a trust foundation for credit card upgrade.
4. Don't use installment if the repayment amount is not high.
Some friends may ask, "Why can't it be used? It's not that I don't return it. It is great to be able to bring benefits to banks in stages. "
It doesn't matter if you don't intend to apply for upgrading your credit card; But if you want to upgrade your credit card and do so, the bank will think that you are unable to repay, and there will be risks after upgrading your credit card.
If all the above four items are completed within half a year or longer after the card is opened, you can call the bank customer service phone to apply for upgrading the credit card level. The credit card limit will be increased first. If the credit card limit is increased to the previous level, the credit card level will naturally increase.