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  2. Call the card issuer to request the upgrade. Credit card companies generally require you to call for any type of product change. When you call, tell the representative you'd like to upgrade your credit card and let them know which card you want. Your card issuer will then approve or deny the upgrade request.
    www.fool.com/the-ascent/credit-cards/guides-tools/…
    To get started with the Upgrade Card, you’ll first need to apply to see your available credit line and interest rate. If you are approved, you’ll be given a default APR and installment payment term. Possible terms currently include 24-, 36- and 60-month repayment plans, with APRs ranging from 14.99 percent to 29.99 percent.
    www.creditcards.com/card-advice/upgrade-card-gu…
    Upgrade cards can be used to make purchases in stores and online, just like you would with a credit card. But unlike with normal credit cards, unpaid balances on an Upgrade card are automatically converted to installment plans, where you make equal monthly payments with a fixed interest rate over a set period of time, much like a personal loan.
    www.nerdwallet.com/article/credit-cards/upgrade-c…
     
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