I do not quite get why we are required to submit income documents to upgrade to a "gold" card, when you own a classic card with a credit limit that is higher than some gold cardholders. Beda1746 said their "gold" card has 75k CL. My classic card's CL is 80k.
My dad's BPI credit card was automatically converted to gold after his CL exceeded 100k. I personally think that's how things should work.