You think too much! ? But it is good to think more,

First, the businesses that affect personal credit are mainly overdrafts, including credit cards and loans.

(During the two sessions this year, there seems to be a proposal to include cycling red lights in personal credit. What's next? )

Second, credit cards (debit cards) and similar credit cards (quasi-credit cards) can be overdrawn, while debit cards (how much can be used) cannot be overdrawn, that is, ordinary bank cards (debit cards can also be called savings cards). Only credit cards are included in personal credit, and ordinary bank cards are not included in credit.

Third, judging from the "VIP bank" in your statement, yours is an ordinary bank card, because it seems that there is no such name on the credit card. As long as we determine what card it is, we can determine whether it will affect personal credit.

Fourth, I think it is better to upgrade a card if it can be upgraded. As far as I know, if there is an ordinary bank card in the credit card application, it will help to increase the approval amount. I wonder if the loan will help. Isn't it a good thing to upgrade as long as you follow the rules of using silver cards? It may be helpful to other businesses in the future, and then it may not be able to catch up with the upgrade. In addition, if you handle business in Bank of Communications and then go to other banks, can you guarantee that you will not deal with Bank of Communications in the future? The above is also a personal opinion, for reference only.

I hope I can help you.