The limit of Guangzhou Bank Platinum Credit Card is more than 50,000 yuan, and the specific limit is determined based on the applicant's personal qualifications. The better the personal qualifications applied for, the higher the credit limit given by Guangzhou Bank. The annual fee for Guangzhou Bank's standard credit card platinum card is 288 yuan per year. Cardholders who swipe the card more than 6 times in the same year will be exempted from the annual fee for the next year.

Credit card annual fee rules refer to some corresponding regulations for the annual payment of credit cards. Banks are not allowed to charge annual fees before the credit card is activated by the cardholder. However, in the face of the various annual fee rules for credit cards from different banks, most Most people have little idea about it. Most annual credit card fees are around one hundred yuan. Some banks stipulate that you can waive the annual fee by swiping three times a year. If you don’t use the card after you apply for it, you will have to pay the annual fee, which is certainly not cost-effective. The annual fee exemption rules vary among different banks, making it easy for cardholders to incur annual fees unintentionally. Cardholders generally believe that credit card agencies adopt the practice of waiving the annual fee in the first year and waiving the annual fee in the following year if the card reaches a certain standard, but this is not the case for all cards. For example, ICBC credit cards are not exempt from annual fees in the first year. Instead, they need to swipe the card a total of 5 times or spend more than 5,000 yuan to be exempted from the annual fee. China CITIC Bank stipulates that only swiping the card once in the first month after the card is issued can be exempted from the annual fee in the first year. .

As for the rules for exempting the annual fee for the following year, some banks stipulate that as long as the card is swiped more than three times, it will be free, such as China Construction Bank [6.20 3.85%] and China Everbright Bank; some banks stipulate that the number of swipes is more For example, the Shenzhen Development Bank Credit Card stipulates that the annual fee for the following year can be waived by swiping the card 18 times. Most banks adopt the policy of waiving annual fees 5-6 times, such as ICBC, Agricultural Bank of China, Bank of China, Bank of Communications, China Merchants Bank, etc. Yinsu.com financial planner pointed out that since annual fees are not the main source of income for domestic credit card issuers, banks generally stipulate that annual fees must be waived after a certain number of card swipes, but there is no limit on the amount. However, there are some banks that impose restrictions on the amount of consumption. For example, Shanghai Pudong Development Bank stipulates that the annual fee for the next year can be waived only if the consumption reaches 2,000 yuan or more. It is also worth noting that the bank’s annual fee exemption rules are not static. The annual fee for a credit card is based on the collection time of the first year's annual fee, and is pushed back 12 months to the collection time of the next year's annual fee. Bank of Communications credit card annual fee exemption rules will generally be notified to cardholders by text message at the end of the year or the beginning of the next year. Cardholders need to pay attention to whether the annual fee exemption rules have changed.