How to upgrade your ICBC credit card

About ICBC Credit Card Card Upgrade, These Matters to Pay Attention to

ICBC credit card can provide card upgrade service, cardholders can upgrade the card with low level to high level, or upgrade the magnetic stripe card to chip card. And no matter which upgrade method you choose, the things you need to pay attention to are pretty much the same, so let's take a look.

A, credit card card upgrade

ICB credit card card upgrade can not call for, you must bring a valid ID card, and to upgrade the credit card card, and in the bank reserved number of cell phone, to the local ICBC any branch for. The company's newest product is a new product that will be available in the marketplace for the first time in a long time.

After the card is upgraded, the bank will make a comprehensive judgment based on the cardholder's creditworthiness and card usage record, and the process will be completed in 15 natural days. If you regularly use your credit card to make purchases and make payments on time, and you have no bad credit history and little debt, the likelihood of a successful upgrade is very high.

Second, credit card upgrade costs

First of all, ICBC credit card upgrade service is free of charge, there is no need to charge a service fee, but if it is upgraded at the same time the replacement of the chip card, you may have to charge the cost of labor.

Secondly, ICBC credit card card upgrade will involve an annual fee, and the annual fee for the new card will be based on the standard of the corresponding card level.

Third, credit card card upgrade notes

1, ICBC credit card card upgrade success, if the credit card, the new and old card can be used in parallel for one month; quasi-credit card upgrade success of the old card will be invalid, can not use the card.

2, ICBC credit card upgrade success, because the card level change, will also change;

3, ICBC credit card upgrade success, if there are other cards in the account, the same account under the card to meet the conditions will be upgraded together.

How do I upgrade my credit card? The card can be upgraded to a gold card, and a gold card to a platinum card!

We all know that there is a hierarchy of credit cards, which are Platinum, Gold, Petite Platinum, Platinum, Diamond, Black Gold and so on. The higher the grade, not only will the amount be higher, enjoy more rights and interests, but also represents a noble status symbol. Very often, we just apply for a credit card is a universal card, there are individual gold card, if you want to credit card upgrade to how to rise? To teach everyone.

Credit card upgrading method one: card transfer upgrade

Card transfer upgrade is to keep the account unchanged, re-issue a higher level of card to you, by the card and activate, the old card will be automatically invalidated, directly cut off the card on it.

The general card transfer upgrade can be directly upgraded by calling the customer service manually, the customer service personnel will be through your credit card basic information to inquire, the system will determine whether it can be upgraded. CITIC and ICBC both support this way of universal card upgraded gold card, gold card upgraded platinum card, then, CITIC also need to go to the branch to fill out a form.

Credit card upgrading method two: directly reapply

Other banks do not support the card transfer upgrade, you can only apply for a credit card, generally if you already have the bank's card, and the use of the situation is good, and then go to apply for a gold card can be successful, and the way the card card a little bit similar to the way to get a card.

The gold card upgrade platinum card will be a little more stringent, so usually need to fill out the application information for the process, and some banks upgrade platinum card also need to provide a certain amount of proof of financial strength.

Additionally, if you want to see if you can upgrade your platinum card, you can do so by using the Life on the Palm APP, accessing the credit line inside, and displaying the "Upgrade High-End Card" button to "Upgrade Your High-End Card".

These are the methods of credit card upgrading introduced to you, and I hope they will help you. The first thing that you need to do is to get the card to work for a while and not to be late, so I hope that you will be able to get it to work.

How ICBC credit cards are upgraded

ICBC credit cards are upgraded by credit card transactions, repayment records, changes in creditworthiness, or sudden fraud risks.

According to the provisions of Article 4 of the Peony Credit Card Purchase Agreement (Personal Card)

Party A agrees that Party B may adjust the credit limit of its Peony Credit Card account in accordance with the circumstances of Party A's transactions, repayment records, changes in creditworthiness, or sudden fraud risks, or may require Party A to provide or increase the security of the pledge of rights in accordance with the regulations. Party B may notify Party A of the adjustment of credit limit by SMS, telephone or statement.

The aforesaid adjustment of credit limit shall not affect Party A's repayment obligations under this Agreement, and Party A shall still be required to settle the transaction amount, interest and fees that have been incurred, and shall not hold Party B liable on the ground that it has not received the notice unless there is any fault on the part of Party B as stipulated in laws and regulations.

Expanded Information:

Related Provisions of Peony Credit Card Agreement (Personal Card)

Party B has the right, on the basis of Party B's creditworthiness or for the purpose of maintaining the account of Party B to pay the interest and fees. Party B has the right to temporarily restrict or suspend the use of Peony Credit Card (except for electronic cash transactions) based on Party A's creditworthiness or for the purpose of safeguarding the security of Party A's account funds, etc. Party A shall cooperate with Party B in taking the relevant measures; Party A shall not hold Party B liable for the restriction or suspension of the use of Peony Credit Card by Party B unless Party B is at fault as stipulated in laws and regulations.

Party A enjoys the right to use the Peony Credit Card in accordance with the regulations. Party B may stop the use of Party A's Peony Credit Card (except for electronic cash transactions), and at the same time may recover the Peony Credit Card by itself or authorize the relevant unit to recover the outstanding amount from Party A. In the event of any of the following circumstances, Party B may stop the use of Party A's Peony Credit Card (except for electronic cash transactions).