Standard card is the most elementary credit card, which has the most basic credit card functions such as consumption overdraft, cash overdraft and so on. Guangfa standard card also belongs to this category;

China Southern Pearl Card is a co-branded card, which is an accessory product of bank cards jointly issued by commercial banks and for-profit organizations. Co-branded cards have the same functions as credit cards, but unlike ID cards, co-branded cards are jointly issued by issuers and general enterprises, which are more business-oriented and have more additional functions that enterprises give back to cardholders than general credit cards. China Southern Pearl Card has all the functions of the standard card, as well as the functions and related benefits of China Southern members.