Different banks have different gold card standards. The initial criteria must be based on your age, occupation, position, social status and income, which is an affirmation of a cardholder's social status. But later, in order to increase income, banks will upgrade Puka cardholders to gold cardholders. In addition to the above-mentioned income changes, Puka cardholders will also regularly swipe their cards in large amounts. A good repayment record will also have a positive impact on upgrading to a gold card. Now as long as there is a certain income base, white-collar workers in large companies can apply successfully. In order to cater to the weak psychology of ordinary cardholders, banks will also take the initiative to contact cardholders regularly and give them the policy of upgrading their cards. Credit cards are definitely different from gold cards, and the single/single-day consumption limit is also different. But different banks have different policies. Moreover, some cardholders have a high quota, but they just insist on using the general card and don't want to change the gold card, so it is not necessarily that the gold card quota is higher than the general card quota, but the average is still high.