Hehe, first of all, your card is a single currency card, with an annual fee of 200 yuan. Yes, the annual fee can be reduced or exempted five or six times in the second year, but only if the insurance service is stopped one month in advance within the validity period, because the insurance is valid for one year. If it is not terminated, 200 yuan will be deducted in the second year. Many customers don't know this because the insurance will be renewed automatically. That's what you said when you bought 200 yuan. And this insurance is accident insurance. These insurances can be understood as businesses attached to the Gold Card, not services. To put it another way, there is little difference between a gold card and an ordinary card, but the amount will be the same if the points are doubled. Even if I give you a platinum card, the amount will be adjusted the same. Actually, the so-called service is insurance!

Insurance is a service,