Many banks have annual fee-free credit cards, such as UnionPay civil servant cards of Bank of Communications and Agricultural Bank, Great Wall credit card of China Bank, Dingka credit card of Postal Savings Bank, Blue Card of China CITIC Bank, Red Cross co-branded card of China Construction Bank and civil servant card. What I want to tell you is that many banks support spending six times in the same year and enjoying the annual fee-free service the next year.