How to upgrade your credit card? Upgrade your regular card to a gold card, and upgrade your gold card to a platinum card!

We all know that credit cards are divided into levels, including regular card, gold card, small platinum, platinum card, diamond card, black gold card and so on. The higher the level, not only will the quota be higher, but also the rights and interests enjoyed will be more, and it also represents a noble status symbol. Many times, the credit card we just applied for is a regular card, and there are also some gold cards. If you want to upgrade your credit card, how do you upgrade it? Come teach everyone.

Credit card upgrade method one: card transfer and upgrade

Card transfer upgrade means keeping the account unchanged and re-issuing a higher-level card to you. After receiving the card and activating it, the old card It will automatically expire, just cut the card off.

General card transfer upgrades can be done directly by calling the customer service manual. The customer service staff will query your basic credit card information, and the system will determine whether it can be upgraded. Both CITIC and ICBC support this method of upgrading from a regular card to a gold card. If a gold card is upgraded to a platinum card, Bank of China also needs to go to an outlet to fill out a form.

Credit card upgrade method two: apply again directly

For other banks that do not support card transfer upgrade, you can only apply for another credit card. Generally, if you already have a general credit card from this bank, If you use the card and it is in good condition, you can successfully apply for a gold card, which is somewhat similar to applying for a card.

Upgrading from a gold card to a platinum card will be more stringent, so you generally need to fill in the application information again, and some banks also need to provide certain financial proof to upgrade to a platinum card.

In addition, China Merchants Bank can see if it can upgrade its platinum card. You can also enter the credit limit through the Palm Life APP and display "Upgrade high-end card with credit limit to" to upgrade the high-end card online.

The above is the method to upgrade your credit card. I hope it will be helpful to you. Upgrading a credit card generally requires that the existing card has been used for a period of time, and there are no related phenomena such as expiration. I hope everyone can upgrade successfully.

How to upgrade an ordinary credit card to a platinum card? You can try these three methods

Having a platinum card is everyone’s ultimate dream, and many people have no choice but to apply for ordinary credit cards because they are not qualified enough, but they still miss the platinum card. Know whether a regular credit card can be upgraded to a platinum card. This is actually possible. You must master the correct credit card upgrade method in advance. Let’s learn about it together.

1. Transfer card upgrade

This is the most commonly used upgrade method, and some call it graduation upgrade. It means to raise the ordinary credit card limit to the maximum limit, and then add the temporary limit, so that you can graduate. Then when the card is valid, you can apply to the bank to transfer the card. The bank will make a decision based on your card usage and credit situation. Whether to issue a platinum card to you.

For example: If your investment gold card has a limit of 50,000 yuan, a temporary limit of 10,000 yuan, and a total limit of more than 60,000 yuan, this limit will reach the basic limit of the platinum card. If the status is normal, there is no arrears and no balance. When the card is valid, you can apply to China Merchants Bank for card transfer, and China Merchants Bank may give you a platinum card with a limit of more than 50,000.

2. Curve upgrade

If you have an ordinary credit card, but use the card for a long time, develop good card usage habits, and the card usage status is good and there are no overdue credit cards. In this case, you can apply for a small platinum card from the same bank again. If approved successfully, you can achieve a curve upgrade.

According to what we know, the bank that is more likely to succeed in doing this is the Agricultural Bank of China. In 2018, the Agricultural Bank of China’s Ranmeng Platinum Card has been continuously relaxed. Many cardholders with ordinary credit cards have applied for this card. Got my first platinum card.

3. Apply for a card with a card

This uses a bank’s credit card as a voucher to apply for a platinum card from another bank. It is best to start with Xiaobaijin. This method is compared with the above two methods. This method is a bit difficult.

Generally, you need to have held a credit card for half a year or more than one year, have good credit, and have a limit of at least 50,000 yuan. There may also be requirements on the applicant's financial resources, and you may be asked to provide corresponding Proof of assets, such as cars, real estate, salary flow, etc. If you meet the conditions, you may be approved for a platinum card, otherwise you may only be approved for a gold card or a regular card.

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

These tips for upgrading your credit card to the Platinum Card will teach you how to upgrade quickly

The Platinum Card can enjoy the distinguished treatment, various attractive discounts and the convenience of spending with your credit. Ultra-high limits often make cardholders unable to stop, so how can they easily and quickly upgrade their credit cards to platinum cards? After reading the following five methods, it is not a dream to immediately enjoy the platinum benefits.

The reason why the bank will actively increase the credit limit to the user and upgrade the credit card to the platinum card is as follows:

1. The bank is aware of the credit limit through the usage of the user's credit card. Not enough;

2. The user's personal credit is good;

3. The user paid off the bill and started using credit cards from other banks, causing the bank to feel the crisis of losing high-quality customers.

Based on these points, we can easily summarize the methods for upgrading your credit card to a platinum card:

1. Swipe your card wherever you can spend, so that your consumption and credit card can be used at all times

Second, let the credit card be on the verge of maxing out. How can you make the bank think that your limit is not enough? Swipe your credit card aggressively so that your monthly bill is between 50% and 80% of your credit limit, so you are not far away from upgrading your credit card to a platinum card;

3. Repay your credit card in full and on time. A good credit record is a prerequisite for improving your credit card level. On the final repayment date, all arrears must be paid off in a timely manner, so that the bank will consider it to be in good standing, laying a foundation of trust for future upgrades;

4. Put an end to installment business. If the credit limit is not large, if the user makes installments, the bank will think that you do not have enough money to repay the money, and it will be impossible to upgrade your credit card.

In the six months since the card was opened, if the above four items have been completed on time, you can then call the customer service number to apply for an upgrade. The customer service will first increase the limit, and the limit will be increased to the limit of the gold card. , your level will naturally increase accordingly. If you do well in all aspects, the bank may even offer to upgrade your credit card to a platinum card. However, I still want to remind all cardholders that the road to upgrade your credit card to a platinum card is long and difficult, so don’t be too hasty and expect to achieve success in one step.

Comprehensive methods of upgrading a regular card to a gold card or a gold card to a platinum card

Credit cards are divided into card levels, including regular card, gold card, small platinum card and large platinum card. There are also diamond cards and private bank cards, which are also issued by banks based on each person's situation. Some cardholders didn't know much about credit cards when they first came into contact with them, and they had no requirements for card levels. After applying for the card, they discovered that their credit card belonged to the lowest level - regular card.

As credit cards become more and more popular, you will feel envious when you see your colleagues and friends directly applying for gold or platinum cards. My qualifications are no worse than theirs, how can I upgrade my regular card to a gold card and my gold card to a platinum card? This will take you 3 minutes to look at the following method.

Upgrading a regular card to a gold card

By understanding the upgrade methods of some banks, they are mainly divided into two types: card transfer and re-application.

1. Card transfer.

If you want to upgrade from a regular card to a gold card, you can directly call customer service to upgrade manually. The customer service staff will query the system through the basic credit card information you provide, and the system will automatically determine whether it can be upgraded. If you can upgrade, your account will remain unchanged and a gold-level card will be re-issued to you. After a new card is issued and activated, the old card (ordinary card) can no longer be used and can be cut. Banks that can be upgraded in this way include: CITIC, ICBC, etc.

2. Apply for a gold card directly.

You cannot directly upgrade the card level. If you need a gold card, you can try to apply for a gold card from another card. Such banks mainly include: China Merchants Bank, Guangfa, Bank of Communications, etc.

Gold card upgrade to platinum card

There are mainly two upgrade methods: card transfer and re-application.

1. Card transfer.

No more explanation, the method for upgrading a regular card to a gold card is the same. But there are even fewer banks that can directly upgrade from a gold card to a platinum card. At present, we know that CITIC can do this. ICBC can also do this, but if you call and learn that you can upgrade, you still need to go to the branch to fill out a platinum card application form.

2. Apply directly.

Regarding the upgrade from gold card to platinum card, many banks do not support direct card transfer, and you need to fill in the application information again. Such as Guangfa, Bank of Communications, China Merchants Bank, etc. However, you can apply for a China Merchants Bank credit card in the following two ways:

Method 1: The credit card limit you already hold is close to 50,000 yuan. To apply for a platinum card, you need to apply at an outlet. In addition to filling out the application form, you also need to provide a copy of your ID card, proof of employment, and other additional financial proof.

Method 2: Apply in the Palm Life APP and enter My - Credit Limit. If you can upgrade the high-end card online, there will be a corresponding interface that displays "Upgrade the high-end card and increase the credit limit to"; otherwise, it will not show.

How to upgrade a Bank of Communications credit card to a platinum card

The Bank of Communications Platinum Card has a variety of high-end benefits. When you have a regular card or a gold card, you can use the following methods to upgrade:

1. Increase the card limit

The limit of the regular card is between a few thousand yuan and 10,000 yuan, and the limit of the gold card is between 10,000 yuan and 50,000 yuan. When the fixed limit plus temporary limit of the regular card exceeds 10,000 yuan, you can apply to upgrade to a gold card. Then slowly accumulate a fixed limit at the gold card level. When the fixed limit and temporary limit exceed 50,000, you can apply for a platinum card from the bank.

2. Submit proof of financial resources

If you want to upgrade the card level, you must let the bank know that the cardholder has sufficient repayment ability. Materials such as real estate certificates, car ownership certificates, tax payment certificates, etc. are all materials that can prove the financial status to the bank. When the bank considers the customer to be a high-quality customer, it will increase the credit card level.

3. How to apply for a card by card

If you already have a platinum credit card from another bank, then you can apply for a Bank of Communications platinum credit card at this time, and the success rate will be much higher. However, the threshold for applying for platinum credit cards in other banks is not low. Generally speaking, it is better to choose the first two methods.

What are the platinum credit card application skills

1. Platinum credit card application skills:

2. First, become a customer of the target bank;

3. Second, apply for a card with a card;

4. Third, submit more proof of personal financial resources.

5. The 2020 entry-level card has a low threshold and novices must apply now!

6. It is relatively difficult to apply for a platinum credit card. First of all, you need to have good personal qualifications, because the platinum card is a high-end card and has high requirements for applicants. Users can apply for a card by applying for a card, or provide proof of your financial resources, such as real estate, cars and other property certificates.