A: Hello, welcome to Credit Services. How can we help you? B: I'm interested in applying for a credit card with you. A: Are you an existing customer? B: Yes, I've had a Current Account with a debit card with you for years. Now, I'm looking at upgrading to a credit card. A: May I ask why you didn't think of applying for a credit card with us sooner? Most young people jump at the chance. B:When I opened the account with you, I was a student, I graduated a couple of years ago and have a steady salary, so I figured now would be the best time to go ahead. A: That's very sensible of you. We have many fresh graduates applying for credit cards, getting them and then going on a spending spree and being unable to meet the repayments. B: As you can see from the statements for my Current Account, I have never been overdrawn . I'm always very careful about that. A: Would that be our standard card, our gold card, or our platinum card? B: Oh, I'm not sure. What's the difference? A: Well, the standard card has a lower credit limit , that's 20,000 RMB, whereas with the platinum card you can have a credit limit of 80,000 RMB. Why such a big difference? B: It's all about credit rating and salary. If your credit rating and your salary are high enough, we can offer you the platinum card.