1. Pre-approval: When applying for a gold card, if your credit history, income and other related factors meet the requirements of the bank, the bank may pre-approve you. In this case, your credit card may take effect immediately.

2. Priority channel: For some senior customers or specific groups, banks may provide priority channels for handling credit cards in order to make them effective faster.

3. Online application: Apply for a credit card by submitting an application online. Once your application materials are approved by the bank, the credit card will take effect in a short time.

It should be noted that the above situation is only the reason that may lead to the immediate effect of credit cards, and it does not mean that it can be done in all cases. The specific situation needs to be determined according to your own application and bank regulations. If you want a more accurate answer, I suggest you get in touch with the customer service staff of Ping An Bank.