Credit Services , how can I help you ?   I'd like to apply for a credit card with you .   Would that be our standard card , our gold card , or our platinum card ?   Oh , I'm not sure . What's the difference ?   Well , the standard card has a lower credit limit , that's 20,000 RIB , whereas with the platinum card you can have a credit limit of 80,000 RIB .   Why such a big difference ?   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 .   My salary is pretty high and I've never had a problem with my credit rating in the past . Are there any perks of the platinum card ?   Yes , we have contracts with various luxury shops and health clubs , where if you use the card to purchase items from them , you can get some healthy discounts . 