Disadvantages of debit cards
According to the bank's regulations on debit cards, debit cards have no overdraft function. In addition, according to the relevant national laws and regulations, debit cards are not allowed to be lent to others, which is illegal and has legal risks. Banks issue debit cards to users, and there is no credit line. If a cardholder wants to use a debit card, he needs to save money before using it. Debit cards not only help users to keep them properly, but also have limited value-added and provide banks with capital reserves. Generally speaking, a debit card is equivalent to an upgraded version of a passbook. Compared with passbook, the advantage of debit card is that users can deposit and withdraw money easily and complete payment flexibly and quickly.
On the basis of traditional bank card functions such as transfer, consumption, cash deposit and withdrawal, payment, collection and payment, CCB Longka has added more value-added functions such as one-card multi-account account, investment and wealth management and other wealth management signing services.
1. Integrated management of one account and many accounts: In addition to current and fixed deposit accounts in RMB, USD, HKD, Japanese yen, Euro and GBP, other accounts of customers' own construction bank can also be linked with Dragon Cartoon to make overall arrangements for funds.
2. Contract financing and automatic transfer: You can choose a variety of automatic transfer services, such as changing from current account to current account, changing from current account to fixed account, changing from current account to regular account, changing from notice to current account, voucher-based automatic transfer of treasury bonds due, signing automatic remittance, etc. The bank will automatically dispatch funds for customers according to their contracts.
3.？ Convenient and flexible collection and payment on behalf of customers: Dragon Cartoon can be used as a payroll account, and can also be used to withhold and remit related expenses, thus avoiding the trouble of customers withdrawing cash and paying cash.