In the past, American Express only issued ordinary cards. For gold and platinum cards, people with strong spending power and good repayment credit are selected from ordinary cards to join the gold and platinum card clubs. If you know the history of American Express, you will know that holding a gold card of American Express is far more respected than holding a platinum card of Visa and Master. My colleague is studying in Canada, and he is as optimistic about a house as another person. Because neither of them has a credit record in Canada, the owner hesitated. Later, he wanted to talk to the landlord and rent more money, but the landlord told him that it had been rented to another student. He said that the man found an American Express gold card holder to guarantee it. He said that although he thought students' repayment ability was worse than mine, he believed American Express Gold Card holders.
In addition, I think friends who want to answer questions should not talk nonsense and mislead others with things they are not familiar with.
Visa/master/jcb are card issuers, not banks themselves, but only cooperate with banks. American Express is an American bank with financial services, which is equivalent to opening its own bank and issuing its own credit cards. Very different from other institutions.