信用卡额度5w，普卡级别，必要曲线提额换白金卡吗？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">近期</span>四大行信用卡大白金曲线提额比较火，<span style="color: black;">引起</span><span style="color: black;">亦</span>有<span style="color: black;">非常多</span>卡友<span style="color: black;">始终</span>咨询老谭要不要曲线白金卡？<span style="color: black;">首要</span>，信用卡<span style="color: black;">重点</span>分享普卡、金卡和白金卡，信用卡权益和年费跟等级是<span style="color: black;">关联</span>的，级别<span style="color: black;">区别</span>，权益和年费<span style="color: black;">亦</span><span style="color: black;">区别</span>。级别高的权益肯定更好，<span style="color: black;">一样</span><span style="color: black;">针对</span>年费方面<span style="color: black;">需求</span><span style="color: black;">亦</span>是要高<span style="color: black;">非常多</span>。<span style="color: black;">而后</span>额度方面肯定<span style="color: black;">亦</span>是不<span style="color: black;">同样</span>的，后期提额空间<span style="color: black;">亦</span>是不<span style="color: black;">同样</span>的。<span style="color: black;">例如</span><span style="color: black;">通常</span>普卡额度最高上限<span style="color: black;">便是</span>5w，金卡额度<span style="color: black;">通常</span>是5-8w，白金卡的话<span style="color: black;">通常</span>都是10w以上了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q9.itc.cn/q_70/images01/20240527/82dc258001e3411fa00adcc8f5bc84f0.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">当然，大部分卡友应该<span style="color: black;">亦</span>都收到银行白金卡邀请办理<span style="color: black;">tel</span>吧。<span style="color: black;">例如</span><span style="color: black;">有些</span>申请普卡和金卡的卡友，经常能收到银行邀请<span style="color: black;">通告</span>，说是你近期用卡不错符合<span style="color: black;">要求</span>，<span style="color: black;">意见</span>你升级我行白金卡，<span style="color: black;">而后</span>给你讲<span style="color: black;">各样</span>白金卡的好处，<span style="color: black;">乃至</span>还有些客服直接<span style="color: black;">知道</span>就<span style="color: black;">通知</span>你，升级白金卡之后能提额。<span style="color: black;">或</span>是直接就邀请你办理我行白金卡， 下卡额度<span style="color: black;">详细</span>多少之类的。其实这种<span style="color: black;">便是</span>变相的二卡提额。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不外</span>，这种升级之后<span style="color: black;">亦</span>并不是所有卡友能提额的，大部分还是额度共享，只是<span style="color: black;">加强</span>了后期提额空间。当然，<span style="color: black;">倘若</span>升级之前<span style="color: black;">知道</span><span style="color: black;">通知</span>提额的，<span style="color: black;">那样</span>后期肯定是能稳定提额的。<span style="color: black;">因此</span>，<span style="color: black;">通常</span><span style="color: black;">倘若</span>收到邀请升级的<span style="color: black;">状况</span>下，<span style="color: black;">必定</span>要问清楚。<span style="color: black;">倘若</span>客服<span style="color: black;">详细</span>说了升级卡片之后能<span style="color: black;">说到</span>多少额度，并且提的确实是固定额度的话，<span style="color: black;">那样</span>这种<span style="color: black;">状况</span>完全<span style="color: black;">能够</span>升级的。当然，<span style="color: black;">倘若</span>只是说升级白金卡之后有助于卡片的后期提额，<span style="color: black;">那样</span>完全就<span style="color: black;">无</span>必要升级了，后期额度肯定是共享的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q4.itc.cn/q_70/images01/20240527/dec4a1d597f04d738833ebfca40504d1.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">之前就有个卡友操作的是中信银行的小白金，额度3万。下卡时间<span style="color: black;">亦</span>不是<span style="color: black;">尤其</span>长，可能是近期卡片用的不错，<span style="color: black;">因此</span>收到中信银行信用卡客服的<span style="color: black;">tel</span>，<span style="color: black;">举荐</span>升级白金卡。本身首卡<span style="color: black;">亦</span>是一个小白金，年费方面很好<span style="color: black;">处理</span>的，<span style="color: black;">能够</span>直接<span style="color: black;">经过</span>刷卡12次就可<span style="color: black;">以避免</span>年费，而升级后<span style="color: black;">必须</span><span style="color: black;">经过</span>6万积分<span style="color: black;">才可</span>免年费，显然<span style="color: black;">加强</span>了免年费的门槛。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">然则</span>，本身中信小白金额度<span style="color: black;">达到</span>10万，而卡友的下卡额度才3w，虽然升级之后虽然提额空间<span style="color: black;">亦</span>能再次<span style="color: black;">加强</span>了，<span style="color: black;">然则</span>年费门槛方面<span style="color: black;">亦</span><span style="color: black;">加强</span>了<span style="color: black;">非常多</span>，<span style="color: black;">况且</span>本身10w的额度空间基本<span style="color: black;">针对</span><span style="color: black;">此刻</span>大部分卡友都是够用的，<span style="color: black;">因此</span>，<span style="color: black;">因此</span>完全<span style="color: black;">无</span>必要<span style="color: black;">那样</span>快的去升级。<span style="color: black;">况且</span>银行<span style="color: black;">这般</span>做的目的<span style="color: black;">便是</span>为了<span style="color: black;">加强</span>和客户的粘性，虽然白金卡权益更好，但白金卡免年费的门槛高，如想免年费，就<span style="color: black;">必须</span>达到免年费的标准，要<span style="color: black;">否则</span>就要被收取年费。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q7.itc.cn/q_70/images01/20240527/976cfdc0eba44afa915ffd3bf417c1bf.png" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">看到<span style="color: black;">这儿</span>，可能还有<span style="color: black;">非常多</span>卡友有疑虑，到底要不要升级呢？其实<span style="color: black;">大众</span>不要<span style="color: black;">思虑</span>太多，<span style="color: black;">详细</span>看<span style="color: black;">状况</span>。<span style="color: black;">例如</span>银行卡种级别不<span style="color: black;">同样</span>，限额不<span style="color: black;">同样</span>。<span style="color: black;">倘若</span>本身手里卡片是普卡，并且额度<span style="color: black;">已然</span>是五万上限了，这种完全<span style="color: black;">无</span>必要去犹豫，直接就<span style="color: black;">能够</span>升级高级别的卡种了。<span style="color: black;">或</span><span style="color: black;">此时</span>候收到银行邀请<span style="color: black;">意见</span>你升级白金卡，后期有助于提额，这种<span style="color: black;">亦</span><span style="color: black;">能够</span>直接升级了，毕竟五万<span style="color: black;">已然</span>是卡片的上限了，不去升级后期再怎么良好<span style="color: black;">运用</span><span style="color: black;">亦</span>是不会涨额度的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">当然，<span style="color: black;">倘若</span>本身<span style="color: black;">倘若</span>介意年费方面的话，<span style="color: black;">那样</span>升级的时候优先<span style="color: black;">思虑</span><span style="color: black;">有些</span>小白金，<span style="color: black;">便是</span><span style="color: black;">有些</span>年费能<span style="color: black;">容易</span>刷免的卡种。<span style="color: black;">这般</span>后期提额空间增大了，年费问题<span style="color: black;">亦</span>能<span style="color: black;">处理</span>，直接一箭双雕。<span style="color: black;">不外</span>，<span style="color: black;">必须</span><span style="color: black;">重视</span>的是<span style="color: black;">通常</span>客服邀请你升级的卡种年费都比较高，很难达到免年费的标准，<span style="color: black;">乃至</span>有些是刚性年费，下卡即收年费。<span style="color: black;">因此</span>，升级的时候<span style="color: black;">必定</span>要一个年费门槛低，适合自己的白金卡就行。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q3.itc.cn/q_70/images01/20240527/96c441c0ec1f4826b9f696eb2454d8da.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">最后，提额方面。有<span style="color: black;">非常多</span>卡友可能会担心自己<span style="color: black;">选取</span>的卡种后期提额方面肯定<span style="color: black;">无</span>客服<span style="color: black;">选取</span>的白金卡提额快？其实，这一点完全<span style="color: black;">不消</span>担心，客服邀请的白金卡只是<span style="color: black;">针对</span>银行方面有很大的利益。<span style="color: black;">况且</span>所有的白金卡<span style="color: black;">亦</span>只是只是限额更高<span style="color: black;">有些</span>，权益更好<span style="color: black;">有些</span>，但后期提额方式是<span style="color: black;">同样</span>的。<span style="color: black;">倘若</span>是你在用卡<span style="color: black;">时期</span><span style="color: black;">显现</span>问题，就算是大白金的话降额还是会降额。想要快速提额的话还是要<span style="color: black;">把握</span>这家银行刷卡消费<span style="color: black;">爱好</span>，结合这家银行提额周期用卡，后期周期到来<span style="color: black;">乃至</span>遇到银行放水都会主动邀请你提额的。</p>
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