Whether a high-end credit card is suitable for you, you must understand before choosing. High-end cards often require cardholders to bear hard conditions, such as free payment or a minimum consumption amount for the year.

Having a high-end, high-end credit card will give you a sense of accomplishment or vanity. If you don’t use the card often or the amount is small, there is no need to apply for a premium card.

I have several platinum credit cards under my name. One of them requires spending more than 200,000 points per year to waive the annual fee for the next year, and the other requires spending 200,000 points to waive the annual fee for the following year. The first of these two cards A high annual fee must be paid every year. There are also some platinum cards that can easily get the benefit of no annual fee. Cardholders should ask carefully before choosing.

I hope my answer will be helpful to you!

It mainly depends on personal spending power and consumption habits. Credit card is a double-edged sword. If used well, it can solve immediate difficulties and improve the quality of life. If used poorly, it may become a card. Slaves, and even credit risks. In addition, high-end credit cards will provide some relatively high-end value-added services, but not everyone's lifestyle can enjoy them, and high-end credit cards generally have annual fees, which may not be exempted. There is no absolute suitability. In a word: do what you can and do what you have the ability to do.