Convenience card is a bank card product with the characteristics of "loan+savings+settlement+financial management" launched by Changsha Rural Commercial Bank for farmers, urban residents, small and micro business owners and other natural persons. This product is based on debit card, which is an organic combination of debit card and small revolving loan.

Applicable customers mainly include farmers, urban residents, individual industrial and commercial households, small and micro business owners and other natural persons. The card has all the functions of debit card "settlement, savings and financial management", and the convenience card has the function of small revolving loan, which can be recycled within the loan credit limit. Multiple loans can be made within the available quota and term, and the quota and term can be set separately for each loan, and the interest can be calculated separately. Each loan bears interest on a daily basis and can be repaid at any time.