1. Interest-bearing deposits and revolving credit: deposits enjoy current interest, and the longest interest-free period after consumer repayment is 50 days.

2. Cash advance handling fee (local counterparts): free.

3. SMS notification fee: free.

4. Shopping installment: card account installment, bill installment, merchant installment, mail order installment, large amount installment and other services. Easy financial management.

Disadvantages of Platinum Credit Card:

1, the annual fee of the main card is 3,600 yuan, and the annual fee of the auxiliary card is 3,600 yuan.

2. Annual fee waiver rules: If the annual fee of 10000 points is not waived in the first year, it can be exchanged for the annual fee of the main card or supplementary card for one year.

Summary: People who often fly and play golf can consider dealing with it.