First, swipe your card wherever you can
If you want to upgrade your credit card level, you must get into the habit of swiping your card frequently, so that your consumption can be linked with your credit card all the time, and you can eat, go shopping and play. Never use cash where you can swipe your card.
Second, let the credit card be on the verge of being maxed out
First, let Minsheng Bank think that your quota is not enough. How can we not use it enough? It is to swipe the card substantially. The monthly bill is between 5% and 8% of the credit limit. If the credit card limit is 5, yuan, try to show more than 4, yuan as soon as the billing statement comes out, but remember, don't maxed it out, so as not to generate over-limit fees. Only in this way can Minsheng Bank feel that your quota is not enough.
Third, repay in full and on time
To upgrade the credit card level, repayment is the key. A good credit record is the prerequisite for upgrading the credit card level. Pay off all debts in time on the final repayment date, so that Minsheng Bank will think that its reputation is good and lay a foundation for upgrading its level in the future.
Fourth, put an end to installment business
Minsheng Bank recently launched installment business to facilitate those small partners who can't repay in one lump sum, but if you want to apply for upgrading the card level, you should never use this business. In the case of a small amount and staging, Minsheng Bank will think that there is not enough money to pay back the money.
5. Upgrade in six months after card opening
In the six months since card opening, if the above four items are completed on time, you can call customer service to apply for upgrading, and the customer service will upgrade the quota first, and the quota will be upgraded to the gold card quota, and naturally your level will be upgraded.