China Merchants Bank is a bank that makes it easier to apply for credit cards. The first card is usually a regular card. If you can provide sufficient supporting documents of financial resources, such as documents proving the property rights of your own goods (real estate certificate, house purchase contract, etc.), Documents proving your own vehicle (own vehicle driving license, bank car loan certification document), income certification documents (copies of salary records issued by the bank, income tax withholding vouchers, etc.), etc., you can directly apply to China Merchants Bank to exchange for a replacement. High level gold card.

Generally speaking, if the monthly average daily assets of a general card reaches RMB 50,000, you can bring your ID card and all-in-one card to any branch of China Merchants Bank to upgrade to a gold card.

It should be noted that upgrading a regular credit card to a gold card does not mean replacing the original card directly. Instead, you need to apply for a new card. When applying, just choose a gold card level credit card.

The credit card levels of China Merchants Bank include: Black Gold Card, Unlimited Card, Diamond Card, Platinum Card, Gold Card and Regular Card.

1. The difference between China Merchants Bank’s gold card and ordinary card

Annual fee: Gold card is RMB 300 per year per card, and ordinary card is RMB 100 per year.

Discounts: Gold card holders can enjoy more card swiping discounts and conveniences. For example, overseas, China Merchants Bank provides free emergency replacement cards and other services to gold card holders.

2. How to upgrade CMB’s regular card to gold card

If you do not have enough financial proof documents and want to upgrade to gold card, you need to try your best to meet the following requirements:

1. Daily consumption habits will affect your credit card limit. Therefore, it is necessary to increase the frequency of card swiping, consumption amount, stable continuous consumption rate and number of cash withdrawals, so that you can apply for a temporary limit after 3 months of credit card processing.

2. Repay in full and on time to avoid late payment fees. This affects the creditworthiness of your use and will also affect your credit card limit. Therefore, the key is to develop good credit card usage habits and pay back your loans in a timely manner.

If these two points are met, you can apply for a permanent increase in credit card limit after 6 months of credit card processing.