On the first question:

The same person can have multiple credit cards in the same bank, as long as your universal card is not cancelled or expired, you can use it. (Note: There is only one credit card in the same bank, which means all cards have the same credit card limit. Your credit card limit is 1000, so the sum of all your credit card limits in the same bank is 1000. )

On question 2:

Under normal circumstances, there should be no annual fee for applying for a credit card in the first year. The first year is free of annual fee, and the second year is free of annual fee if you swipe your card more than five times. You need to call the credit card center to find out the specific situation.

On the third question:

In fact, the gold card should be the same. Gold cards will only enjoy a larger amount than Puka. Gold card sounds and feels higher than Puka. In fact, there is no greater difference. Whether it is necessary to upgrade or not depends on yourself.

I hope the above questions can help you, thank you.