The annual fee for opening the card in the first year is currently 680 yuan. You can use 100,000 points to offset the 300 yuan and pay 380 yuan out of pocket. However, if you have no points or not enough, you will have to pay 680 yuan out of pocket. At the beginning of the year, you can use 200,000 points to offset 680 yuan, and you have to pay for everything out of pocket, and so on. This is a platinum card. For more privileged people, there is of course an annual fee to use it. It is not like a gold card or a regular card where you can just swipe it a few times a year.

Extended information:

Credit card charges mainly include three parts: annual fee, cash withdrawal fee and interest, and installment fee.

1. Annual fee: Most credit cards charge an annual fee of about 100 yuan per year, and some banks stipulate that if the credit card reaches a certain number of purchases per year, the annual fee can be waived.

2. Cash withdrawal fees and interest: After using a credit card to withdraw cash, interest will be charged on the cash withdrawal amount based on the daily interest rate of 5/10,000. When withdrawing cash, a handling fee of 1% to 2% of the cash withdrawal amount will also be charged.

3. Installment fee: The credit card installment fee is determined by the number of installments. The more the number of installments, the higher the rate. Different banks have different regulations on credit card installment rates. The specific rates are You can consult bank customer service.

1. Cash withdrawal fees:

Although credit cards have interest-free periods, they are limited to non-cash transactions. As long as you withdraw cash, there will be an interest of 0.05% every day starting from the date of withdrawal, and you may also need to pay a handling fee of 1% to 3%.

Therefore, citizens must repay in time after withdrawing cash, otherwise interest will be collected until the debt is paid off. If a cash withdrawal occurs after the bill is issued but before repayment is made, the subsequent repayment must first repay the bill amount, and then the amount exceeding the bill can be repaid with the cash withdrawal.

2. In terms of installment repayment:

Nowadays, the number of installments carried out by each bank's statement is different, and the handling rate is also different. For most banks, the larger the number of installments, the more the installments. , the lower the rate per period, but the higher the total cost.

For example, a joint-stock bank can provide 3, 6, 10, 12, 18 and 24 installments to credit card holders who meet the bill installment application conditions.

The corresponding handling fee rates for each period are 0.9%, 0.75%, 0.7%, 0.66%, 0.68%, and 0.68% respectively. Therefore, in the process of daily use of credit cards, citizens should try not to handle cash withdrawals or installment services unless there is a special need.