What does 98 yuan, the annual credit purchase fee of Jiangsu Bank, mean?

A charging item in Jiangsu Bank's credit card. Credit purchase is a value-added service of Jiangsu Bank's credit card, which enables cardholders to enjoy privileges such as preferential treatment, discount, installment payment, points exchange and so on. In order to enjoy these privileges, cardholders need to pay an annual fee for 98 yuan. Specifically, after paying the annual fee, the cardholder can buy goods or enjoy services at a low price among the merchants purchased by cooperative credit. At the same time, cardholders can also choose to pay the purchase amount in installments and redeem prizes according to credit card points.

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