Gold card is a kind of credit card, and the amount and rights are usually higher than ordinary cards. Gold card applicants need to have a good credit record and at least a good monthly income, which is the first condition for banks, because it is related to the normal repayment.

If the monthly salary is 3,000 to 4,000 yuan, it is basically difficult to apply for a gold card unless you have fixed assets. Therefore, if economic conditions permit, you can apply for a gold card.

However, if the income or assets are insufficient to meet the requirements of the bank, you may need to consider applying for an ordinary card or other types of credit cards.