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What does it mean to be listed in AD by bank gold card?
Credit card.

I recommend you to apply for their credit card of Guangfa Bank. If necessary, please click Apply. I have about ten credit cards. Guangfa is the best bank I have ever experienced. If you don't need a credit card, just delete the email.

You need a credit line. The higher the credit limit, the more cash you can use. I heard that the interest rate is a bit high after maturity. This kind of thing is an advertisement issued by a card issuer or a bank. You have to apply for it yourself, and you won't know if you can issue a card until the bank has passed the examination.