2. Most banks' VIP credit customers will give away insurance, such as accident insurance, air delay insurance and other insurance protection. The VIP card here refers to credit cards with platinum cards or above, and the annual fee of such credit cards is between 1, and 3,, and it cannot be exempted by spending a certain number of times by swiping the card. That is to say, the so-called wool is on the sheep. Banks earn high annual fees by asking customers to apply for VIP credit cards, and at the same time, they also use customers' money to buy insurance in the name of giving.

3. Some credit cards of China CITIC Bank have customized critical illness insurance for female cardholders, but this kind of activity is generally a one-time event and will not be given away for a long time. The longest giving period is only one year, and some of them are only a few months' trial. Other cards can only choose to upgrade their platinum cards and pay a high annual fee if they want to get accident insurance gifts.