Although China Merchants Bank Golden Sunflower Card enjoys many exclusive services, it has a significant drawback for customers who do not meet the standards. Since 2011, such customers will face a monthly account management fee of 150 yuan when applying for a new card or replacing it (such as expiration, reporting loss, etc.). This means that for cardholders whose assets fail to meet the criteria, long-term holding may impose additional fee burdens.

However, the Golden Sunflower Card itself is a credit card created by China Merchants Bank for high-end customers. It has global features and integrates comprehensive financial management functions. Holders can enjoy "one-on-one" VIP financial manager services and numerous privileges. For example, for customers who meet the standards, handling fees for off-site deposits, withdrawals, transfers and remittances, etc. are also free. Overseas services such as remittances and issuance of deposit certificates are also free. At the same time, Golden Sunflower Card holders can also enjoy airport VIP lounge services and fast security check channels through the points system, as well as a loan limit of up to 3 million and a loan period of up to 2 years, which is suitable for a variety of consumption scenarios.

Despite these obvious advantages, the charge of account management fees undoubtedly poses a certain financial pressure for customers who fail to meet service standards. Therefore, when considering applying for or continuing to use the China Merchants Bank Golden Sunflower Card, you must evaluate your own asset status and affordability.