So as to directly click on the upgrade platinum card when withdrawing money in a fixed amount, or users can apply offline at the business outlets of China Merchants Bank. Offline application requires relevant supporting materials, such as work certificate, income certificate, financial certificate and so on. In addition, as long as the cardholder has good card habits, the gold card will be invited by China Merchants Bank after 60 thousand, and the pass rate of applying for platinum card after receiving the invitation is relatively high. Therefore, upgrading the Platinum Card will increase the quota.