If the average monthly assets of a regular card reaches RMB 50,000, you can take your ID card and all-in-one card to any branch of China Merchants Bank to upgrade to a gold card; if a credit card is upgraded to a gold card, the original card will not be Instead of directly replacing the card, you need to apply for a new card. When applying, just choose a gold-level credit card. (Response time: May 21, 2019. For the latest business changes, please refer to the official website of China Merchants Bank.)