Legal analysis: It is not necessary to have a credit card; China Construction Bank Yuetong Card etc. can choose to bind CCB debit card or credit card; you can also choose to open a CCB e-account (second-class account) and then bind the six major Just recharge the debit card of the bank (China Construction Communications and Postal Service).

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 3 Commercial banks operating credit card business shall protect the legitimate rights and interests of customers and the security of relevant information in accordance with the law. Relevant information shall not be used for purposes other than the Bank's credit card business without the authorization of the customer.