The basic conditions for applying for a gold card include but are not limited to (one of them is sufficient):

1. The applicant’s average monthly income is above RMB 4,000 or the equivalent in foreign currency. The credit standing is good and there is no bad credit record;

2. The cumulative consumption amount of China Merchants Bank credit card holders in the past year has reached RMB 10,000 or the equivalent in foreign currency (excluding occasional large purchases such as cars and houses) Consumption or production and business consumption), and customers who have consumed 6 times in the past year.

If you meet the conditions for applying for a gold card, you can choose to apply for a gold card directly. But under normal circumstances, you first apply for a regular card and use it for a period of time, and then apply for an upgrade from the regular card to a gold card. You can try to apply, and the credit review department will determine whether you are qualified to directly apply for a gold card based on your personal credit status. However, it is recommended that you select "Yes" for "Do you want to apply for a regular card when a gold card cannot be issued" when filling out the application form. In this way, if you do not meet the conditions for a gold card but meet the conditions for a regular card, you can be issued a regular card directly.