How to upgrade your credit card?

As mentioned in the previous article, whether to upgrade your credit card or not, and what level of card to apply for, you need to decide based on your actual situation. So, for those holders who really want to upgrade their credit cards, it would be a good thing if they could upgrade to a higher-level credit card to meet their actual card needs. However, the higher the credit card level, the more difficult it is to apply. Let me sort it out for you below: How can you upgrade your credit card?

1. Prove that you are a high-quality customer

Generally speaking, banks are deciding whether to give applicants When applying for higher-level credit cards, the cardholder’s financial assets, credit rating, and card usage status must be comprehensively considered. Therefore, if you want to upgrade your credit card, the cardholder must let the bank know that you are a high-quality user who uses the card frequently, has good credit, stable income and timely repayment. For this reason, you should try your best to swipe your card wherever you can, and pay attention to swiping your card within your own limit. You can still repay the loan in a timely manner, and there are no installments or defaults. Then, the bank will be very useful. You may be judged as a senior credit card holder who can develop.

2. The cumulative use of the card for more than half a year

According to the above-mentioned good card usage habits, as long as the credit card holder has used the card for more than half a year, he or she can apply to the bank for a limit increase or credit card upgrade. , the success rate of passing the application will be higher. However, generally speaking, for credit card customers who upgrade from a regular card to a gold card, the bank will first choose to increase the limit for you. When you increase the usage limit of the gold card, the level of the credit card will increase accordingly.

3. It is best to provide proof of personal financial resources

In addition, when cardholders propose to upgrade their credit cards to the bank, if they can prepare additional proof of personal financial resources, including real estate certificates, Vehicle driving license, large deposit slip, etc., then the success rate of the cardholder's credit card upgrade will also be greatly improved.

4. Be careful when upgrading your credit card

Before upgrading your credit card, you must be clear about the purpose of upgrading your credit card. Is it just to show your distinguished status, or is it really necessary to use the upgraded credit card? rights and interests. For example, the Platinum Card was created to meet the consumption needs of mid-to-high-end consumers, but if you basically don’t fly or stay in hotels, then this is a waste of rights. Moreover, if your consumption limit does not meet the credit card level requirements, you will also face high annual fees. From this point of view, it is not cost-effective for you to upgrade your credit card. It is better to increase the limit of the original regular card or gold card. Therefore, cardholders need to be careful when upgrading their credit cards.

Finally, again, if you just want to show your identity by upgrading your credit card, but you can't actually afford the "sweet burden" that a premium card brings, I suggest you don't do it. It’s so exciting~

How to upgrade your credit card? A guide to how to upgrade your credit card

Nowadays, almost everyone has a credit card, and it is particularly convenient to use credit cards when going out. But what most people apply for is basically a regular credit card. As our living standards continue to improve, ordinary credit cards can no longer meet our needs. Therefore, many friends are racking their brains to find ways to upgrade their credit cards. So let’s take you through the news in this regard.

How to upgrade credit card:

1. Choose a credit card when you need to spend money

Never use cash in places where cards can be swiped outside, so that the bank will think you are used to it. The use of credit card consumption is still relatively dependent on credit card consumption.

2. Use the credit card limit appropriately

When making purchases, remember not to max out your credit card. It is best to use a limit close to the credit card limit, and it is also best to have such consumption every month. It will make the bank feel that the user's credit limit is not enough, and it needs to increase the credit card limit to meet the user's consumption.

3. Remember to repay on time

If a good personal credit record is the prerequisite for credit card upgrade, then repaying on time is the key to credit card upgrade. If you pay off all the outstanding debts at the end, the bank will also consider you to be in good standing, laying a foundation of trust for credit card upgrades.

4. Do not use installment plans when the repayment amount is not high

Some friends may ask: "Why can't you use it? It's not like I won't pay back the installments. I'll pay them back to the bank in installments." It has brought benefits, how good it is.”

If you don’t plan to apply for upgrading your credit card level, it doesn’t matter; but if you do so if you want to upgrade your credit card level, the bank will think that you don’t have enough ability to pay it back. There will be risks after upgrading your credit card level.

If you complete all the above four items within six months or more after opening the card, you can call the bank’s customer service number to apply for an increase in credit card level. The credit card limit will be increased first. If the limit is increased to the credit card limit of the previous level, the credit card level will naturally be upgraded.

How to upgrade a regular credit card to a platinum card? Here are three ways to upgrade your credit card!

I believe everyone knows that credit cards can be divided into regular card, gold card, platinum card, diamond card and other levels according to the level classification. The rights, limits and annual fees of each level will be different. The higher the credit card level, the more distinguished the status symbol, so high-level credit cards are generally only available to those with better qualifications. But how do you get a platinum card if you have average qualifications? In fact, you can upgrade to a platinum card through a regular card. Let’s take a look!

Method 1: Curve upgrade

In fact, platinum cards are now divided into large platinum cards and small platinum cards, and small platinum cards are now very popular. It is indeed difficult to get a large platinum card, but it is different with the small platinum card.

Youran Bai from Agricultural Bank of China and Youyibai from Bank of Communications are all small platinum products. If you already have their regular card and use the card well, it should be no problem to apply for a small platinum card. After applying, you will not be far away from Grand Platinum.

Method 2: Card transfer and upgrade

Now some bank credit card centers provide card transfer and upgrade. Card transfer and upgrade means keeping the account unchanged and issuing a higher-level card to you. , generally you can upgrade the card by calling the customer service number.

Under normal circumstances, as long as you are not bad at using your card, you can apply for a card upgrade. Upgrading a regular card can turn it into a gold card. If you want to upgrade to a platinum card, just use it for a while and then apply again. .

Method 3: Apply with a card

If you already have a regular card from this bank, you can also apply for other levels of credit cards by applying for a card. Upgraded.

It is generally easier to apply for a gold card with a regular card, but it will be more difficult to apply for a platinum card. Some banks also require certain proof of assets. This depends on the bank's requirements.

Here are three ways to upgrade your credit card from a regular credit card to a platinum card. I hope it will be helpful to you. Among the above three methods, the fastest one is actually the first one, which is also relatively simple. You might as well give it a try!

This ends the introduction on how to upgrade your credit card and how to upgrade your platinum credit card. Have you found the information you need?