If it can't be replaced, because it has been approved, the credit card level, card surface and credit limit are all subject to the approval result, so it can't be replaced, so it can only be reapplied. As a reminder, Bank of Communications should be able to choose the card type and card face when applying for a credit card online. If you originally applied for a gold card, but it was issued as an ordinary card, it can only show that you did not meet the conditions for Bank of Communications to apply for a gold card, but you met the conditions for issuing an ordinary card, then the bank will automatically convert it into an ordinary card, so it is naturally impossible for you to re-apply for a gold card now.