If CITIC Credit Card doesn't cost money in the opening month, it's best to use it. Except for platinum cards and personal cards that require customers to pay their own annual fees, CITIC Bank implements the policy of exempting the first-year annual fee from swiping cards once within one month after approval and exempting the second-year annual fee from swiping cards five times in the first year. Therefore, in addition to platinum cards, it is more cost-effective to spend money within one month.