the platinum credit card in the center needs to be lowered and replaced by a gold card. You can only apply for a new credit card, and there is no way to directly reduce it from a platinum card to a gold card. The temporary limit can be adjusted, but the clock cannot be changed.

Steps to apply for a credit card:

1. Apply for an appointment online;

2. After making an appointment, the bank staff will contact and confirm and collect personal information (identity certificate, work certificate and financial proof) at home;

3. After the materials are approved, mail the card according to the mailing address information filled in;

4. activate the binding to open the card.