Golden sunflower card is a wealth management card, not a credit card. At that time, there should be more than 500 thousand in the account. Being stuck in money is just like a debit card. You can't overdraw it. However, going to China Merchants Bank is still very awesome. You can enter the VIP room as soon as you swipe your card, and some also have coffee, TV and internet access. There are also discounts for cooperative businesses to spend money (but I don't know which businesses I have run for 2 years), and I will send you financial information every month (I deleted it without reading it carefully). As for other functions, I don't know.