hello, here's the thing. Huinong card is equivalent to an ordinary debit card when it is not granted credit, but after it is granted credit, it becomes a loan card, which is different from an ordinary credit card. It is not a credit card, and it is a recyclable loan. Because of the particularity of the loan, you can't get a passbook.

And now there is no card discount set, because for some families with large population, it is normal that one person can easily get the card and one person can get a discount. However, some families are prone to get emotional and have disputes with the bank before they know the situation, so it is not easy to explain, so they have cancelled the card discount set.

If you have any other questions, please leave me a message. I hope my answer will clear your doubts. Thank you.