Credit card (China Merchants Bank) is a debit card and is not recommended as a salary card. After the credit card deposits funds, there is no interest, and there is an extra charge for taking them out. When there is overpayment in your credit card account (overpayment or refund after offsetting consumption), if you want to get back the overpayment, you can apply to remit the overpayment to the designated bank account in your name (USD can only be taken back to my China Merchants Bank account). You need to pay a certain handling fee to get back the overpaid part (the business card can get back its own card for free). You may not get back the overpaid card money, and the card money will be used to deduct the amount of your card in the future. We won't pay deposit interest for the overpaid amount in your credit card account.

Second, the savings card can be used as a salary card.

The salary card is the original record to record the salary level and standard. The labor and personnel department establishes a salary card for each employee who enters the factory. Its contents mainly include: name, position (title or type of work), salary grade, salary standard, work department, date of joining the work, date of transferring from the work, etc. The salary card is established when employees enter the factory, and cancelled when employees transfer or retire. The finance department will pay or stop paying employees' salaries according to the salary card [1].

Third, the purpose of the savings card

1, cash deposit and withdrawal. Debit cards mainly have the functions of local and foreign currency savings, time savings and current savings. Debit cards can be used to deposit and withdraw money at card-issuing bank outlets and self-service banks, or at ATMs in China and even around the world.

2. Transfer and remittance. Cardholders can transfer or remit money to other accounts through bank outlets, online banking, self-service banking and other channels.

3. Credit card consumption. Cardholders can use debit cards to spend money at merchants.

4. Collection and payment. Debit cards can be used to pay salaries and pay various fees (such as communication fees, water fees, electricity fees, gas fees, etc.). ).

5. Asset management. Wealth management products, open-end funds, insurance, personal foreign exchange transactions, precious metal transactions, etc. You can sign contracts, trade and settle accounts through debit cards.

6. Other services. Many bank debit card services have expanded beyond financial services, such as providing airport VIP access and medical and health services for cardholders.