The annual fee of Ping An Owner Card is 200 yuan, and the annual fee of Ping An Owner Card can be reduced if the consumption reaches 30,000 yuan in that year. Ping An's car owner card has 165438+ 10,000 yuan of vehicle accident insurance and 500 points convertible 1 yuan to offset Ping An's car insurance. The car owner card of Ping An spends 2000 yuan that month and returns to 80 yuan every month.