1. If the applicant does not meet the requirements of the Platinum Card, it will be downgraded and approved. At this point, the applicant has an option when applying for a credit card. If the application for platinum card is unsuccessful, the application for gold card is allowed. If this option is not selected, card verification will fail.

2. CITIC Taobao Co-branded Card (V version), with annual fee of 200 yuan/year. The first time you swipe your card or withdraw money in the current month, you are exempt from the annual fee for the first year. Credit card spending or cash withdrawal for five times in the first year is exempted from the annual fee for the following year.

3. The multiple of accumulated points of Taobao V card will be calculated according to the relevant Taobao account level when handling the card, and the points will be sent to Taobao V card account.