It depends on the cardholder's demand for using the card and his own wishes.

The amount of gold card is larger than that of ordinary card. If the cardholder has a great demand for credit card, the ordinary card can be changed into a gold card. If the cardholder's demand for credit cards is small, it may not be replaced.

Higher-grade credit cards can enjoy more favorable services and more benefits. Generally speaking, cardholders will exchange ordinary cards for gold cards. However, if the cardholder usually uses the credit card less frequently and the credit card amount is lower, it is unnecessary to replace the gold card.

In general, the annual fee of a gold card is higher than that of a general card, which is more suitable for cardholders who frequently use credit cards and spend a large amount of money on them. Regular use of credit cards and reaching the credit card limit stipulated by the bank can reduce the annual fee.

whether the Puka of China Merchants Bank should be upgraded to a gold card

There is no need to upgrade. Because the amount of the jinpuka is the same. Moreover, the gold card rights of China Merchants Bank are similar to those of Puka. If you feel that the rights and interests are not used, it is recommended to add a co-branded card. After the co-branded card is received, just cancel the original old card.

China Merchants Bank's gold card quota is * * *, so even if you upgrade to a gold card, the quota will not change. The rights and interests of China Merchants Bank's Jinpu card are similar, and only the Platinum card has higher-end rights and quotas. However, there is an annual fee for the corresponding platinum card. The annual fee of Jinpuka can be waived. So it doesn't make much sense to upgrade to a gold card, regardless of the amount or rights.