How to upgrade the credit card?

As mentioned in the last article, whether to upgrade your credit card and what level of card you apply for need to be decided according to your actual situation. Then, for those who really want to upgrade their credit cards, it is certainly a good thing if they can upgrade to a higher level of credit cards to meet their actual card needs. However, the higher the credit card level, the harder it is to apply. Let me sort it out for you: how to upgrade the credit card?

1. Prove that you are a quality customer.

Generally speaking, banks should comprehensively consider the financial assets, credit rating and excellent card use of cardholders when judging whether to give applicants a higher grade credit card. Therefore, if you want to upgrade your credit card, the cardholder must let the bank know that you are a high-quality user with frequent card use, good credit, stable income and timely repayment. To this end, if you can spend by credit card, you should pay attention to spending by credit card within your own quota, and then repay it in time, not by installments or by default. Then, the bank is likely to judge you as a developable senior credit card holder.

2, the cumulative card for half a year and above.

According to the above-mentioned good habit of using the card, as long as the credit card holder uses the card for more than half a year, he will apply to the bank for withdrawal or credit card upgrade, and the success rate of the application will be higher. Generally speaking, however, for credit card customers who upgrade from Puka to Gold Card, the bank will first choose to increase the credit limit for you. If you increase the credit card usage limit, the credit card level will rise accordingly.

3. It is best to provide proof of personal financial resources.

In addition, if the cardholder can prepare additional personal financial certificates, including real estate license, vehicle driving license and large deposit certificate, etc. When you propose to upgrade your credit card to the bank, the success rate of the cardholder's credit card upgrade will also increase a lot.

4. Handle credit card upgrades with caution.

Before upgrading your credit card, be sure to make it clear whether the purpose of upgrading your credit card is just to show your distinguished status or whether you really need to use the upgraded credit card rights. For example, the platinum card is produced to meet the consumption needs of middle and high-end consumers, but if you basically don't fly and don't stay in hotels, it is a waste of rights and interests. Moreover, if your spending limit can't meet the credit card level requirements, you will also face a high annual fee. From this perspective, it is not worthwhile for you to upgrade your credit card. It is best to add the original universal card or gold card. Therefore, cardholders need to be cautious about credit card upgrades.

Last but not least, if you just want to show your identity by upgrading your credit card, but you can't bear the "sweet burden" brought by the advanced card, I suggest you don't join in the fun ~

How to upgrade the credit card? Introduction of credit card upgrade method

Now basically everyone has a credit card in his hand, so it is particularly convenient to go out and spend by credit card. But most people basically apply for ordinary credit cards. With the continuous improvement of our living standards, ordinary credit cards can no longer meet our needs. So many friends rack their brains to upgrade their credit cards. Then let's take you to know about this news.

Introduction of credit card upgrade method:

1. Choose a credit card when you need to spend.

There is absolutely no need for cash in places where you can swipe your card outside, which makes the bank feel that you are used to spending with credit cards, and your dependence on credit card consumption is still relatively large.

2. Reasonable use of credit card limit

Remember not to maxed out your credit card when spending. It is best to use a line close to the credit card limit, and it is best to have such consumption every month. It will make banks 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. Remember to repay the loan on time.

If a good personal credit record is the premise of 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 its reputation is very good, which lays a trust foundation for the upgrade of credit cards.

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

Some friends may ask, "Why can't it be used? It's not that I don't return it. It is great to be able to bring benefits to banks in stages. "

It doesn't matter if you don't intend to apply for upgrading your credit card; But if you want to upgrade your credit card and do so, the bank will think that you are unable to repay, and there will be risks after upgrading your credit card.

If all the above four items are completed within half a year or longer after the card is opened, you can call the bank customer service phone to apply for upgrading the credit card level. The credit card limit will be increased first. If the credit card limit is increased to the previous level, the credit card level will naturally increase.

How to upgrade a credit card to a platinum card? There are three ways to upgrade your credit card!

I believe we all know that credit cards can be divided into ordinary cards, gold cards, platinum cards, diamond cards and other grades according to grades, and the rights, quotas and annual fees of each grade will be different. The higher the credit card level, it also represents a more distinguished status symbol, so high-level credit cards are generally eligible. But how do you get a platinum card for qualifications? In fact, you can upgrade your platinum card through Puka. Let's take a look!

Method 1: curve upgrade

In fact, now platinum cards are divided into big platinum cards and small platinum cards, and now small platinum has a high reputation. Platinum cards are really difficult to handle, but platinum cards are different.

Youcarefree White of Agricultural Bank and YouYi Bai of Bank of Communications are all small platinum. If you already have his universal card and use it well, it should be no problem to apply for a Zhang Xiaobai gold. After the application, it is not far from the big platinum.

Method 2: Upgrade the card.

At present, some bank credit card centers provide card transfer upgrades. To upgrade your card is to keep your account unchanged and send you a higher-level card. Generally, you can call customer service to upgrade your card.

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

Method 3: use the card to handle the card.

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

Generally speaking, it will be easier to get a gold card with an ordinary card, but it will be more difficult to get a platinum card. Some banks also require certain proof of assets, which depends on the requirements of the bank.

Here, I introduce three ways to upgrade your credit card to platinum card, hoping to help you. Of the above three methods, the fastest is actually the first one, which is also relatively simple. You might as well try!

This concludes the introduction of how to upgrade credit cards and how to upgrade Platinum credit cards. I wonder if you have found the information you need?