First of all, Guangfa Platinum Card has a higher credit limit and more preferential policies, such as enjoying high overseas travel insurance, free access to airport VIP rooms, special shopping discounts and so on. If you travel frequently, shop or have high consumer demand, these benefits and concessions may be attractive to you, and the annual fee can also be offset.
In addition, Platinum Card is an advanced card in the credit card market, which has a relatively high threshold and needs to meet certain income requirements. If you meet these requirements, owning a platinum card can also improve your social image and credit rating.
However, if your consumption habits and needs are not in line with the benefits of Guangfa Platinum Card, or you are not interested in the additional services of the card, then the annual fee of 800 yuan may be considered as unnecessary expenses.
The final decision still depends on personal circumstances. I suggest you carefully evaluate your consumption, demand and budget, and make a decision on whether to apply for Guangfa Platinum Card according to the actual situation.