1. Card transfer upgrade This is the most commonly used upgrade method, some call it graduation upgrade. It means to raise the ordinary credit card limit to the maximum limit, and then add the temporary limit, so that you can graduate. Then when the card is valid, you can apply to the bank to transfer the card. The bank will make a decision based on your card usage and credit situation. Whether to issue a platinum card to you. For example: If your investment gold card has a limit of 50,000 yuan, a temporary limit of 10,000 yuan, and a total limit of more than 60,000 yuan, this limit will reach the basic limit of the platinum card. If the card status is normal, there is no There is no outstanding balance. When the card is valid, you can apply to China Merchants Bank for card transfer. China Merchants Bank may give you a platinum card with a limit of more than 50,000 yuan.
2. Curve Upgrade If you have an ordinary credit card, but use the card for a long time, develop good card usage habits. When the card usage is in good condition and there is no overdue card, you can apply for the same credit card again. If the bank's small platinum card is successfully approved, it can be upgraded along the curve. According to what we know, the bank that is more likely to succeed in this way is the Agricultural Bank of China. In 2018, the Agricultural Bank of China’s Ranmeng Platinum Card continued to relax. Many cardholders with ordinary credit cards have obtained their first platinum card in life by applying for this card. .
3. Use a card to apply for a platinum card. This uses a bank's credit card as a voucher to apply for a platinum card from another bank. It is best to start with Xiaobaijin. This method is a bit more difficult than the above two methods. Generally, you need to have held a credit card for six months or more than one year, have good credit, and have a limit of at least 50,000 yuan. There may also be requirements on the applicant's financial resources, and you may be asked to provide corresponding proof of assets, such as a car. Property, real estate, salary flow, etc. If you meet the conditions, you may be approved for a platinum card, otherwise you may only be approved for a gold or regular card.
Summary: After reading the above introduction, everyone must have a general understanding of upgrading ordinary credit cards to platinum cards. Friends who want to have a platinum card may wish to try it.