if it is a CMB credit card, the application requirements for the gold card are higher than those for the ordinary card (including job stability, income and other financial conditions, etc.). In terms of credit limit, under normal circumstances, the credit limit of the gold card is also higher than that of the Puka (the maximum credit limit of the gold card is 5, yuan; The maximum amount of Puka is ￥ 1,). Except the annual fee (3 yuan per card for gold card and 1 yuan per card for Puka card), the usage method is the same. In addition, the gold card symbolizes honor and shows identity. Gold card holders can enjoy more credit card benefits and convenience. For example, overseas, we provide free emergency replacement cards and other services for gold card holders.