Regarding the card upgrade of ICBC Credit Card, it should be noted that

ICBC Credit Card can provide card upgrade service, and the cardholder can upgrade a low-level card to a high-level card or upgrade a magnetic stripe card to a chip card. No matter which upgrade method you choose, the things you need to pay attention to are similar. Let's take a look.

I. credit card upgrade method

ICBC credit card upgrade cannot be handled by phone. You must bring your valid ID card, the credit card to be upgraded, and the mobile phone with the reserved number in the bank to handle it at any local ICBC outlet. And the upgrade card is only for Jinpu card, and Platinum card cannot be upgraded.

after the card upgrade is proposed, the bank will make a comprehensive judgment according to the credit status of the cardholder and the card usage record, and generally the processing will be completed within 15 natural days. Often use credit cards to spend and repay on time, and there is no bad record in credit investigation. In the case of small debt, the possibility of successful upgrade is very high.

second, the cost of credit card upgrade

first of all, ICBC's credit card upgrade service is free, and there is no need to charge a service fee, but if the chip card is replaced while upgrading, the cost may be charged.

Secondly, the annual fee will be involved in upgrading the ICBC credit card, and the annual fee for the new card will be implemented according to the corresponding card level standard.

III. Precautions for upgrading credit card

1. After the credit card of ICBC is successfully upgraded, if it is a debit card, the old and new cards can be used in parallel for one month; If the quasi-credit card is successfully upgraded, the old card will be invalid and cannot be used.

2. After the credit card of ICBC is successfully upgraded, it will also change due to the change of card grade;

3. After the ICBC credit card is successfully upgraded, if there are other cards in the account, the eligible cards under the same account will be upgraded together.

how to upgrade the credit card? Puka upgrade to gold card, gold card upgrade to platinum card!

as we all know, there are different grades of credit cards, which are Puka, Gold Card, Small Platinum Card, Platinum Card, Diamond Card, Black Gold Card and so on. The higher the level, not only the higher the quota, but also the more rights and interests enjoyed, and it also represents a noble status symbol. Many times, the credit cards we just applied for are all ordinary cards, and there are also individual gold cards. How can we upgrade our credit cards if we want to upgrade them? To teach everyone.

credit card upgrade method 1: card to upgrade

card to upgrade is to keep the account unchanged and reissue a higher-level card to you. After receiving the card and activating it, the old card will automatically become invalid, so just cut it off.

Generally, the card can be upgraded directly by calling the customer service manual phone. The customer service staff will inquire about the basic information of your credit card, and the system will judge whether it can be upgraded. Both CITIC and ICBC support this method. If the card is upgraded to a gold card, the Bank of China needs to fill out a form at the outlet.

credit card upgrade method 2: directly apply to other banks that don't support card upgrade, so you can only apply for another credit card. Generally, if you already have a general card of this bank and it is in good use, you can apply for a gold card successfully, which is a bit similar to the way to apply for a card by card.

upgrading a gold card to a platinum card will be a little more stringent, so it is generally necessary to fill in the application materials again, and some banks need to provide certain financial proof to upgrade their platinum cards.

In addition, China Merchants Bank will see if it is possible to upgrade the Platinum Card. You can also upgrade the high-end card online by accessing the credit line through the Pocket Life APP and displaying "Upgrade the high-end card to".

that's the way to upgrade your credit card. I hope it will help you. Credit card upgrade generally requires the use of existing cards for a period of time, and there are no related phenomena such as overdue. I hope everyone can succeed in upgrading.

How to upgrade ICBC's credit card

The credit card upgrade quota of ICBC is determined by credit card transactions, repayment records, changes in credit status or sudden fraud risks.

According to Article 4 of Peony Credit Card Acquisition Contract (Personal Card)

Party A agrees that Party B can adjust the credit limit of its Peony Credit Card account according to Party A's transaction, repayment record, credit status change or sudden fraud risk, or require Party A to provide or increase the pledge of rights according to regulations. If Party B adjusts the credit limit, it can notify Party A by SMS, telephone or statement.

the aforementioned credit line adjustment will not affect the repayment obligation of party a under this contract. party a still needs to pay off the transaction money, interest and expenses that have already occurred, and shall not ask party b to bear the responsibility on the grounds that it has not received the notice, unless party b is at fault as stipulated by laws and regulations.

Extended information:

Relevant provisions of Peony Credit Card Collection Contract (Personal Card)

Party B has the right to temporarily restrict or stop its use of Peony Credit Card (except for electronic cash transactions) for reasons such as Party A's credit standing or for the purpose of maintaining the security of funds in Party A's account, and Party A shall cooperate with Party B to take relevant measures; Party A shall not ask Party B to take responsibility for restricting or suspending its use of Peony Credit Card unless Party B is at fault as stipulated by laws and regulations.

party a has the right to use peony credit card according to regulations. Under any of the following circumstances (not limited to), Party B may stop the use of Party A's Peony Credit Card (except for electronic cash transactions), and at the same time, it may take back its Peony Credit Card by itself or authorize relevant units, and make recourse against Party A's outstanding funds.