How to upgrade the gold card with a general credit card

First of all, you should spend more on your credit card, keep the continuous consumption every month, and take the initiative to apply for an amount increase. When your Puka reaches a certain quota, you can apply for upgrading to a gold card. For example, the maximum amount of a Puka is about 1, yuan. When your Puka reaches this amount, you can apply for upgrading the card level. If your credit card record is good and your spending power is good, the bank will upgrade the card for you.

in the 196s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 5 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 198s, with the reform and opening up and the development of market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and in the past ten years, they have developed by leaps and bounds.

after the financial crisis and the ups and downs of the domestic economy, China's credit card market picked up in 216. By the end of 216, the total number of domestic credit cards had exceeded 59 million. In 216, the national credit card consumption transaction amount reached 741.81 trillion, an increase of 1.75%, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

According to the Analysis Report of China Credit Card Industry in-depth Investigation and Investment Strategic Planning in 213-217, since 21, in order to curb the excessive rise of asset prices and control inflation, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures, which shows that macro-prudence and strengthening capital supervision have become the core of banking supervision in China, and various tightening money supply operations and capital restraint policies have had a profound impact on the liquidity level, credit supply rhythm and structure of China commercial banks.

The analysis shows that the evolution of the industry structure has further optimized and diversified the product mix, and also strengthened the research and development of new industry standards and mobile payment; Deepening credit penetration; Staging business is developing in depth.

in February p>212, the bank confirmed that credit cards are safer without passwords, and if they are stolen, they will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 2-5 days). Credit card consumption enjoys an interest-free period, and the bill amount will be paid off before the due repayment date, and no expenses will be incurred. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the day of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain around 14% in the next 1 years, and the profitability will also tend to improve.

according to the report issued by China people's payment and settlement department, by the third quarter of 221, there were 798 million credit cards and debit-credit cards, up by .97% from the previous month, and each person held .57 credit cards and debit-credit cards.

The skills of upgrading a platinum card with a credit card teach you how to upgrade a platinum card quickly

The distinguished treatment that you can enjoy, all kinds of attractive discounts and the ultra-high amount that you can spend with your letter often make your card friends want to stop, so how can you upgrade a platinum card with a credit card simply and quickly? After reading the following five methods, it is not a dream to immediately enjoy the platinum courtesy.

There are several reasons why the bank will take the initiative to raise the amount for users and upgrade their credit cards to platinum cards:

1. The bank realizes that the credit limit is not enough through the use of users' credit cards;

2. The user's personal credit is good;

3. The user paid off the bill and started to use other banks' credit cards, which made the bank feel the crisis of losing high-quality customers.

In view of these points, it is easy for us to summarize the methods of upgrading credit cards to platinum cards:

First, swipe your card wherever you can spend it, so that your consumption can be associated with credit cards all the time;

second, let the credit card be on the verge of bursting. How can we make the bank think that your quota is not enough? Swipe your card substantially, and the monthly bill is between 5% and 8% of the credit limit, so it is not far from your credit card upgrade platinum card;

3. Repay in full and on time. A good credit record is the prerequisite for upgrading the credit card level. Pay off all the debts in time on the final repayment date, so that the bank will think that its reputation is good and lay a foundation for future upgrading;

fourth, put an end to installment business. In the case of a small amount, if the user makes installment, then the bank will think that you don't have enough money to pay back the money, and it is unlikely to upgrade your credit card.

in the six months since the card was opened, if the above four items are completed on time, you can call customer service to apply for upgrading, and the customer service will first upgrade the quota to the gold card quota, and naturally your level will be upgraded accordingly. If you do well in all aspects, the bank will even offer to upgrade your credit card to platinum card. However, I still want to remind all card friends that upgrading the platinum card of credit card is a long and difficult process, so we should not rush into it, and we should try our best to get there in one step.

how to upgrade your credit card? Credit card upgrade method Raiders

Now basically everyone has a credit card, and it is particularly convenient to spend credit cards when going out. But most people basically apply for a general credit card. With the continuous improvement of our living standards, the general credit card can not meet our needs. Therefore, many friends have racked their brains to upgrade their credit cards. Then let's take you to know the news in this respect.

credit card upgrade method Raiders:

1. Choose a credit card when you need to spend

You don't need cash in places where you can swipe your card outside, which makes the bank feel that you are used to using credit cards and rely heavily on them.

2. Use the credit card limit appropriately

Remember not to maxed out your credit card when spending. It is best to use a line close to the credit card line, 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 is necessary to increase the credit card limit to meet the user's consumption.

3. Always remember to repay on time

If a good personal credit record is the prerequisite for credit card upgrade, then timely repayment is the key to credit card upgrade. At the end of the repayment, the bank will also think that it has a good reputation, which has laid a trust foundation for the credit card upgrade.

4. Don't use installment when the repayment amount is not high

Some friends may ask, "Why not use it? It's not that I don't pay it back. It's great to bring benefits to the bank in stages. "

it doesn't matter if you don't intend to apply for upgrading your credit card. However, if you want to upgrade the credit card level and do so, the bank will think that you are not able to repay, and there will be risks after upgrading the credit card level.

within half a year or more after the card is opened, if all the above four items are completed, you can call the bank customer service phone to apply for improving the credit card level. The credit card limit will be raised first, and if the credit card limit is raised to the previous level, the credit card level will naturally be raised.

how to upgrade an ordinary credit card to a platinum card? These three methods can be tried

owning a platinum card is everyone's ultimate dream, and many people have no choice but to apply for ordinary credit cards because of their lack of qualifications, but they are still obsessed with platinum cards and want to know if ordinary credit cards can be upgraded to platinum cards. This is actually possible. You have to master the correct credit card upgrade method in advance. Let's take a look at it.

1. upgrading by card transfer

This is the most commonly used upgrading method, and some of them are called graduation upgrading. That is, the ordinary credit card limit is raised to the maximum limit, and then the temporary limit is added, so that you can graduate, and then you can apply to the bank for card transfer when the card is valid. The bank will decide whether to issue a platinum card for you according to your card use and credit status.

For example, if your investment promotion gold card has a quota of 5, yuan and a temporary quota of 1, yuan, and the total amount exceeds 6, yuan, this quota will reach the basic quota standard of platinum card. If the card is in normal condition, there is no debt or balance, and you can apply to China Merchants Bank for card transfer when the card is valid, China Merchants Bank may give you a platinum card with a quota above 5, yuan.

second, curve upgrade

if you have an ordinary credit card, but you have used it for a long time and have a good habit of using it, you can apply for a small platinum card from the same bank again if the card is in good condition and there is no overdue period. If it is approved successfully, you can upgrade the curve.

as far as I know, the bank that is easy to succeed in this way is Agricultural Bank of China. In 218, the platinum card of the Agricultural Bank of China was continuously relaxed, and many cardholders with ordinary credit cards got their first platinum card by applying for this card.

Third, handle the card by card

This method uses a bank's credit card as a voucher to handle platinum cards of other banks, and it is best to start with platinum. This method is a bit difficult compared with the above two methods.

generally, you need to use the credit card you have held for half a year or more, and the credit is good, and the amount is at least about 5, yuan. You may also have requirements on the applicant's financial resources, and you may be asked to provide corresponding asset certificates, such as car production, real estate, salary flow, etc. If qualified, you may be granted a platinum card, otherwise you may only be granted a gold card or a general card.

summary: after reading the above introduction, everyone must have a general understanding of upgrading the platinum card for ordinary credit cards. Friends who want to have a platinum card may wish to try it.

how to upgrade a credit card to a platinum card? There are three ways to upgrade credit cards!

I believe we all know that credit cards can be classified into general cards, gold cards, platinum cards and diamond cards according to their grades, and the rights, quotas and annual fees among the grades will be different. The higher the credit card level, it also represents a more distinguished status symbol, so the high-level credit card is generally qualified to do it. But how do you get a platinum card if you have average qualifications? In fact, you can upgrade your Platinum Card through Puka. Let's take a look together!

method 1: curve upgrade

in fact, platinum cards are now divided into big platinum cards and small platinum cards, and now the popularity of small platinum cards is very high. It is really difficult to get a big platinum card, but it is different for a small white gold card.

You Ran Bai from Agricultural Bank of China and You Yi Bai from Bank of Communications are all small platinum. If you already have his general card and the card is in good condition, it should be no problem to apply for a small platinum. After applying, it will be not far from the big platinum.

Method 2: Card transfer and upgrade

Now all bank credit card centers provide card transfer and upgrade. Card transfer and upgrade means to keep the account unchanged and issue a higher-level card to you. Generally, you can transfer and upgrade the card by calling customer service.

Under normal circumstances, as long as your card is not bad, you can apply for card upgrading. If you upgrade to a higher level, you can become a gold card. If you want to upgrade to a platinum card, you just need to apply again after a while.

Method 3: Apply for a card with a card

If you already have a general card of this bank, you can also upgrade your credit card by applying for another credit card with a card.

Generally, it will be easier to apply for a gold card with a general card, but it will be difficult to apply for a platinum card. Some banks also require a certain asset certificate, which depends on the requirements of the bank.

here are three ways to upgrade your credit card from Puka to Platinum. I hope it will help you. Among the above three methods, the fastest one is actually the first one, which is also relatively simple. You might as well try it!

Six Tips for Fast Upgrading Credit Capka of Major Banks to Gold Card

The amount of each card is different. Even if the amount of the card is upgraded, it is still a general card, but the rights and interests of those high-end credit cards such as gold card and platinum card are still not enjoyed. So the question is, how can a general credit card be upgraded to a gold card? Is it really that difficult to upgrade credit cards? Today, I will teach you a few tricks to make your Puka become a gold card quickly.

related knowledge seven tips for fast credit card withdrawal in 215

1. You can spend money by swiping your card, and never use cash

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.

2. Stay away from installment business

The bank has set up installment business for the convenience of those friends who can't repay in one lump sum, but if you want to apply for upgrading the card level, don't use this business. In the case of a small amount, the bank will think that there is not enough money to pay back the money (is there a trap for credit card installment repayment? )。

Third, timely and full repayment

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 the debts in time on the final repayment date, so that the bank will think that it has a good reputation and lay a foundation for future upgrading (what is the impact of overdue repayment? )。

Fourth, the sooner the upgrade is completed, the better.

In the six months since the card was opened, if the above four items are completed on time, you can call customer service to apply for upgrading. The customer service will first upgrade the quota, and the quota will be upgraded to the gold card quota. Naturally, your level will be upgraded.

5. Let the credit card be on the verge of being maxed out

First, let the 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 the bank feel that your quota is not enough.

six, often participate in banking activities

banks often hold a series of credit card preferential activities from time to time, almost every day, as long as you pay attention, often participate in, and preferably different activities, banks will use this to judge whether you are actively spending, which makes it easier to upgrade your card.

so much for the introduction of how to upgrade credit cards.