China Post cannot issue a universal card even if the gold card has not been approved. No matter whether it is a gold card or an ordinary card, you can only apply for one card at a time, and the application result can only be success or failure. If you need to apply, you need to apply twice. Basic process of online credit card application:

1. After entering the application page, select the application area, and the system will list the credit card types that can be applied for in this area. Click Apply Now to enter the information filling page.

2. Be sure to fill in the true and valid application materials when applying, and the bank will make a distinction.

3. After completing the form and submitting it, the system will automatically conduct preliminary examination and then submit it to the local branch for further review.

4. The online application and the actual written application are basically the same. Must be 18 years old or above, with stable work and repayment ability.