PHOENIX, Ariz. - The $1.3 billion Arizona FCU is upgrading its30,000-card portfolio by rolling out new platinum cards with arewards program to all of its members who currently hold either aclassic or gold card. "We are thrilled to be able to offer ourcustomers the opportunity to be able to qualify for a platinum cardand receive all the benefits that go along with it," said LarrySchoeberl, director of card services for Arizona Federal. Thecredit union is issuing the platinum rewards cards to all itsmembers because it wants everyone to have the incentives toincrease card use, but will also put a tiered interest ratestructure into place to reflect any increased risk from which mightcome with some of the conversions from classic or gold cards. "Wecater to the middle-market customer and we realize that many of ourmembers may be first time card holders. We want to give them thebest service we can by giving them the opportunity to have aplatinum card, but we also want to give them the skills they needto be sensible with their purchases," said Schoeberl.