When users apply for a credit card for the first time, they should choose the appropriate card type according to their own needs and economic situation.

For example, ordinary wage earners are suitable for applying for universal cards or gold cards; Students are suitable for handling student cards; White-collar, high-paying or demanding users can apply for platinum cards. Therefore, when users apply for a credit card for the first time, they should match their own economic situation.

But it doesn't mean that ordinary working-class people can't apply for a platinum card, but the chances of being approved are low.