1. If you want to increase your credit card level by swiping your card and never using cash, you must develop the habit of swiping your card frequently so that your consumption is always linked to your credit card. Let's eat, go shopping and have fun together. Never use cash where credit cards are accepted.
2. Stay away from the installment business. Banks have introduced the installment business to facilitate those who cannot repay the loan in one go. However, if you want to apply to upgrade your card level, do not use this business. If you make installments when the credit limit is not large, the bank will think that there is not enough money to repay the money (are there any traps in credit card installment repayment?).
3. Repay in full and on time If you want to improve your credit card level, repayment is the key. A good credit record is a prerequisite for improving your credit card level. On the final repayment date, you must pay off all outstanding debts in a timely manner, so that the bank will consider you to be in good standing and lay a foundation of trust for future upgrades (what are the consequences of late repayment?).
4. The sooner the upgrade is completed, the better. In the six months since the card was opened, if the above four items have been completed on time, you can call customer service to apply for an upgrade. Customer service will first increase the limit. , the limit is increased to that of the gold card, and your level will naturally increase accordingly.
5. Let your credit card be on the verge of maxing out. First, let the bank think that your limit is not enough. How can I not have enough, just swipe the card in a large amount. Every month the bill is between 50-80 of the credit limit. If the credit card limit is 5,000 yuan, then try to make it appear more than 4,000 yuan as soon as the statement comes out as many times as possible, but remember not to max out the limit to avoid over-limit fees. This way the bank will think that your limit is not enough.
6. Regularly participate in bank activities. Banks often organize a series of credit card preferential activities from time to time. There are activities almost every day. As long as you pay attention and participate frequently, and preferably different activities, the bank will use this To judge whether you are actively consuming, this will make it easier to upgrade your card.