1. Benefits: Enjoy preferential, professional, special and preferential services: holders of bank gold cards can enjoy special services provided by banks, such as easier loans and exclusive financial services.

2. Benefits: Reduce annual fees and transfer fees. The gold card can reduce the annual fee and transfer fee.

3. Disadvantages: High interest: Compared with ordinary cards, gold cards have high interest.

4. Annual fee: banks will waive the annual fee for gold cards, but some banks will charge annual fees, so users should pay attention.