1. According to the inquiry of Agricultural Bank of China in official website, the advantages are: the combination of borrowing and lending, instant credit, and the Agricultural Bank of China Jinsui Credit Card has a powerful function of combining borrowing and lending. Users can open current accounts and multiple fixed sub-accounts, deposit their own funds to earn deposit interest, and do not need to go through other procedures after receiving the card, and directly overdraw the letter of credit within the approved credit line, flexibly arrange production and operation funds and manage family property.

2. Disadvantages: the annual fee is high, and the annual fee of Agricultural Bank Jinsui Credit Card is high, which is not cost-effective for people with low spending power.