If you apply for a gold card, you can have more overdraft limit. If the gold card cannot be approved, it will be automatically downgraded to an ordinary card, and you will not be required to submit proof materials. At the same time, don't worry about the cost of using credit cards. Gold cards, like ordinary cards, are exempt from annual fees in the second year as long as they are swiped more than a certain number of times a year.

Just note that no matter how many times you swipe your card, you have to charge an annual fee. It is best not to apply for a platinum card.