Jiangxi rural credit cooperatives have two kinds of cards. They are as follows:

1. The Baifu card of Jiangxi Rural Credit Cooperative (Rural Commercial Bank) is a debit card, and it has no overdraft function. Only after the money is deposited in the debit card account can withdrawals and transfers be made.

2. Credit cards of Jiangxi Rural Credit Cooperatives (rural commercial banks), also known as credit cards and overdraft card, are credit certificates issued by commercial banks or credit card companies to qualified consumers.