1. limit: the credit card limit is determined according to the user's credit rating. The credit card limit is 5,000 yuan, and the gold card limit is 10000 yuan.
2. Annual fee: 50 yuan for credit card, 100 yuan for gold card and 25 yuan for credit card.
3. Deposit interest: Credit card deposits do not bear interest, and credit card deposits bear interest on demand.
4. Interest-free period: the minimum interest-free repayment period for credit cards is 25 days, and the maximum interest-free repayment period is 56 days. There is no interest-free repayment period for credit cards.