China Merchants Bank's credit card (debit card) can be upgraded to a gold card or a higher-level credit card (debit card). If you want to upgrade the card level, you need to do the following:

1. Submit more financial proof: If you can supply information such as real estate license, automobile property certificate, income certificate or professional qualification certificate, then the bank will think that the applicant has strong repayment ability and upgrade the card level.

2. Increase the frequency of consumption: you can't submit proof of financial resources, but only let the bank judge the repayment ability of users by using the situation. Increase the frequency and amount of consumption, so that the bank will think that the current card level can no longer meet the needs of users, thus improving the card level.

3. Repayment on time for each installment: Don't be overdue during the use of credit cards (debit cards). As long as there is overdue, the bank will be more strict in reviewing when upgrading the card level. Repayment on time in each installment can prove that cardholders have strong repayment willingness and good repayment habits, and banks are more willing to upgrade the card level for such users.