Jiangsu Changjiang Commercial Bank has independently issued the UnionPay international standard Yangtze River debit card, and has not yet issued its own credit card (credit card). It is recommended to apply for a credit card from other banks.

Credit card is a non-cash payment method and a simple credit service. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card and will repay it on the settlement date.

The Yangtze River debit card is a bank card with the "UnionPay" logo issued to the public by the Yangtze River Bank. It is a magnetic stripe debit card and does not allow overdrafts. It must be deposited before use. It can be used across banks. It can be used on cross-regional and cross-border POS machines and ATM machines with the "UnionPay" logo, and can also be used on Citibank ATM machines in more than 50 countries and regions around the world.