The annual fee for the Everbright Golf Platinum Credit Card is 2,000 yuan/year for the main card and 1,000 yuan/year for the supplementary card. In the first year, ten points can be used to offset the annual fee of 688 yuan. In the non-first year, 200,000 points can be used to offset the 1,188 yuan annual fee. However, the Platinum Card does not waive the annual fee. If you want to increase the credit limit, there are several techniques as follows:

1. Control the credit card limit: The higher the credit limit, the better. It is best to consume incrementally. For example, first keep your monthly card consumption at about 30% of the total limit, and then apply for a limit increase. After increasing the limit on this basis, then use your card to spend 40%-50% of the total limit, and then apply for a limit increase.

2. Choose the repayment method: If you often make the minimum repayment, the bank will think that your repayment ability is limited, so it will generally not increase the amount for you; if you repay the full amount every period, The bank will think you are more capable and take the initiative to increase your limit.

3. Reduce the number of cash withdrawals: Banks are very cautious about credit card withdrawal requests from cardholders who frequently withdraw cash, because there are illegal cash withdrawals. If you have cash needs, you may wish to apply for cash withdrawals from your credit card. Installment business.

There is no annual fee if the credit card is not activated. If the card is not opened, just call customer service to explain the reason and cancel it.