the annual fee of ABC's Myway credit card is 2 yuan every year, and the annual fee is free in the first year after users open the card, and the annual fee in the following year can be reduced after spending five times in the same year, and so on. Myway credit card of Agricultural Bank of China belongs to the gold card level, and the consumption points are permanently valid. Cardholders can get Himalayan quarterly membership after reaching the consumption standard.