The advantages and disadvantages are personal and cannot be generalized; \x0d\ 1. Features of CITIC Bank American Express Credit Card: \x0d\ Top-level benefits of up to 3 times the points for daily purchases! Regardless of whether you are spending domestically or overseas, for every RMB 1 you spend with your card, you can earn up to 3 times the points with the gold card, and up to 1.5 times with the regular card\x0d\ 2. Application conditions: \x0d\ Age of the principal card applicant: 18-60 years old; application age for supplementary card: 16-65 years old\x0d\ 3. Card introduction\x0d\1. Flexible one card and two currencies to travel around the world\x0d\RMB/USD card, one card and two currencies. Overseas consumption can be repaid in domestic RMB and US dollars. Choose from multiple currencies for repayment, whatever you want. \x0d\2. Safe reporting of lost cards with zero risk \x0d\If your credit card is lost or stolen, you only need to call the 24-hour global 800 toll-free CITIC customer service hotline to complete the loss report procedure, which will take effect immediately, giving you peace of mind. \x0d\3. Convenient global access to cash advance \x0d\ If you need to withdraw cash temporarily, you can use your card to advance cash at our bank branches and ATMs, as well as ATMs with UnionPay or AE stickers; you can also withdraw cash overseas. Currency can be withdrawn at any time to meet your emergencies. \x0d\4. Easily consume first and repay later \x0d\The interest-free repayment period of up to 50 days allows you to consume with peace of mind, enjoy first and repay later, without any worries. \x0d\5. Simple, no guarantor, no deposit required \x0d\Double-free service makes the application procedure simpler and faster, allowing you to take out the card freely. \x0d\6. Wonderful card rewards and points benefits \x0d\ Use card points to exchange for a variety of rewards, boutiques and flight discounts, adding to the fun of life. \x0d\7. Comprehensive and flexible payment, easy and labor-saving\x0d\ Flexible repayment, easy and labor-saving: cash repayment, personal settlement account transfer repayment, check transfer repayment, letter transfer/telegraphic transfer repayment, CITIC ATM transfer repayment , Telephone banking repayment, CITIC Automatic Deposit Machine (CDM) repayment, ATM inter-bank transfer repayment, 800 telephone foreign exchange purchase repayment.