For the so-called large credit cards, the charging standards (such as handling fees and interest) are the same, and they are all charged by percentage. The difference lies in the credit line and annual fee of different levels of cards (ordinary card, gold card, platinum card and diamond card). The credit line ranges from 2000 to 65438+ million, and the annual fee ranges from tens to thousands. If you brush it several times a year, you can reduce the annual fee. Every bank has different standards. When opening a card, the bank will open the card according to your occupation (repayment ability) and the level of your personal application. There is no charge for the credit card itself, and many banks do not charge an annual fee for the first year of card opening.