Welcome to IBA . What can we assist you with today ?   Hello . Yes , I've just read your leaflet about the new MoneyLink Card . I was wondering how I go about applying for one .   This scheme has just started and you will be one of our first 100 customers , so if your application is accepted , you will receive some rather nice perks .   That does sound good . I'm already an account holder , have been for many years . And I already have your existing card .   That should make things perfectly simple , then . Actually , if you had waited a little while longer , we would have notified you by post .   Perhaps your letter is already in the mail ! So , I can just upgrade automatically ?   May I have your details , and I'll check for you .   Certainly ...   OK , so you are already a gold card holder , with a sound credit history . That means we can automatically upgrade you to our new platinum card . 