The advantages and disadvantages of China Merchants Bank Gold Card are as follows. Symbol of interest status: Gold card customers will be regarded as valued customers of the bank, and the design and material of the card itself also reflect a sense of high class, which is suitable for business and social occasions. Higher credit limit: Compared with ordinary cards, the gold card provides a higher credit limit, up to 50,000 yuan, which is an advantage for users who need a higher credit limit. More secure: Gold cards are usually chip cards. Compared with magnetic stripe cards, chip cards are more difficult to copy and steal, which provides better security protection for cardholders. Preferential rates: Gold card customers can enjoy preferential handling fees for certain businesses, such as 50% discount on the handling fees for counter transfer and remittance, and free domestic transfer through online banking. Value-added services: Gold card customers can enjoy the exclusive financial service area, have professional financial consultants to provide services, and may obtain exclusive financial products. Consumption discount: Gold card customers can enjoy discounts when spending in a number of special merchants, which increases the benefits and convenience of consumption. Emergency service: Gold card customers can get services such as card replacement free of charge in case of emergency abroad, which improves the convenience of emergency.