Hello, if you apply for a credit card of China Merchants Bank, the fixed amount of 654.38+0.5 million is already above our platinum card level, and no guarantee is needed. If your credit limit is close to the maximum gold card limit of 50,000 yuan, please go to our branch to get the Platinum Card Application Form, fill it out and attach a copy of your identity certificate, work and new financial documents, mainly your large deposit certificate, real estate license and your high-end private car driving license. If you can provide relatively complete financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. At present, only online application for UnionPay Zunshang Platinum installment credit card has been opened. After application, the accumulated consumption in 300 yuan will be automatically phased. To apply, please click /ccard/platinum4/. If you don't need to change the function, I suggest you apply at the counter.