I am a Cardinals team set collector. I really only upgrade if it happens naturally... Like if I get some cards in a deal, I will always go through them to see if there are any Cardinals, and I pull them out. Since I always keep duplicate Cardinals cards and sell the rest, I just always put the nice card in my team's set album and put the lower grade card in the duplicate box.
I don't think I have ever upgraded a card on purpose. For instance, I have had my 1948 Bowman Musial rookie for about 14 years. It is low grade with multiple creases, but I am perfectly satisfied with it. If I happen to get a better duplicate sometime in the future, I will upgrade. But for now, it is perfect for me.
There is one other way I have upgraded a card. I also collect Topps regular and traded sets. I have 2016 down to 1965, which I just finished this week. A few months ago I needed a Steve Carlton rookie. I purchased a mid grade one, and I put it in my team set. I took the low grade one from my team set and put it in my complete set since my Cardinals team sets are my first priority.
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