No. The user's gold card can only be used as auxiliary information to apply for a credit card. If you only use the gold card, you cannot apply for a credit card.

To apply for a China Merchants Bank credit card, the applicant needs to be between 18 and 60 years old (overseas residents are between 25 and 60 years old), have certain financial ability and have a good credit record. They also need to submit the applicant’s valid ID card, work certificate, Proof of financial resources and other information.