Red city credit card. However, although this credit card is free of annual fee for life, it enjoys the benefits of UnionPay Platinum. Hengxing costs 800 yuan for a hundred years. Although you can reduce your credit card, you can apply for a Hong Cheng credit card if you want to avoid the annual fee for life. Of course, the quota is shared, and the success rate of curve cash withdrawal is relatively low. The key is to avoid annual fees for life.