You need to apply again to switch to a platinum card.

To apply for a platinum card, you need to go to the branch to apply and get the platinum card application form. After filling it out, attach a copy of your identity certificate, work and new financial documents, mainly your large deposit slip and real estate. Certificate and a copy of the driving license of a high-end private car, etc.

The application conditions for China Merchants Bank Platinum Card credit card are:

1. China Merchants Bank accepts domestic people aged 18 to 60 years old and foreigners aged 25 to 60 years old to apply for the main card of China Merchants Bank Platinum Card. Have full capacity for civil conduct;

2. The applicant has a legal and stable source of income;

3. The applicant has a good personal credit record.

In addition, any one of the following conditions must be met:

1. The applicant’s annual income is more than 500,000 yuan;

2. The applicant's average daily deposit in China Merchants Bank must be more than 100,000 yuan;

3. The applicant holds a China Merchants Bank credit card, and it is a gold card or above;

4. The applicant is a Golden Sunflower VIP customer of China Merchants Bank.

Extended information:

Notes on upgrading from gold card to platinum card:

1. Large consumption needs, basically more than 60 can be used every month;

2. Have sufficient repayment ability, good repayment record and credit record.

Use of credit card:

Swipe card at POS machine

Swiping card at POS machine is the most common way to use credit card, and it is a way of swiping card online.

RFID machine taps the card

Tapping the card on the RFID machine is a new type of credit card usage method, and it is also a networking method.

Manual order pressing

Manual order pressing is usually used when there is no POS machine or the Internet is not available. The order pressing operation must have a pressure-sensitive copy of the "direct purchase order" (at least two copies) and a telephone number. The inspection work before pressing the order is the same as that of the POS machine.

Online payment

From the perspective of cardholders, online payment is considered to be the riskiest among several credit card payment methods, because people with bad intentions may use Steal user information through phishing, eavesdropping on network information, and fake payment gateways.

TV and telephone transactions

Similar to online payments, card number, validity period, Visa CVV2 code/MasterCard CVC2/UnionPay CVN2 and other information are required.

Pre-authorization

Pre-authorization is generally used to pay a deposit, that is, freezing a part of the available credit card limit as a deposit.

Reference materials: China Merchants Bank Credit Card Platinum Card Hot Issues