The minimum limit of China Merchants Bank’s standard credit card gold card is RMB 10,000. This is one of China Merchants Bank’s credit card tiers. The gold card’s credit limit ranges from 10,000 yuan to 50,000 yuan, which is higher than the regular card (3,000 yuan to 10,000 yuan) and platinum card (more than 50,000 yuan). , the entry threshold for gold cards is relatively moderate.

When approving credit card limits, banks will conduct a comprehensive evaluation based on a variety of factors of the applicant, including but not limited to age, gender, occupation, income level, position, housing status, education, marital status, Real estate, professional titles, credit history, personal financial assets, etc. These factors will be scored to form an evaluation result, which determines the final approval and quota size. The process from rejection to granting a high quota is relatively rigorous.

It is worth mentioning that China Merchants Bank’s credit card services have always been highly recognized. As early as 2004, its credit card customer service center won the title of "China's Best Call Center of the Year", reflecting its professionalism and excellence in service. As of 2008, the number of credit cards issued by China Merchants Bank has exceeded 25 million, leading the market share, and total consumption has reached an astonishing RMB 140 billion, demonstrating its strong strength and market position in the credit card business.