How do I activate my card? To activate your Upgrade Card with a personal credit line, please call 877-418-3405, 24 hours a day, 7 days a week. Was this article helpful? 12 out of 24 found this helpful Return to top Related articles How do I make my first draw? Can I use my Upgrade Card at an ATM? Is there a minimum monthly payment for my Upgrade Card with a personal credit line? What is the Upgrade Card with a personal credit line? Why use the Upgrade Card instead of a credit card?