All cards of China Construction Bank are collectively called Dragon Cards. Dragon cards are divided into two categories. Debit cards (that is, savings cards) can be used as much as you deposit, and cannot be overdrawn. There is also a credit card (that is, a credit card). With a credit card, the bank will give you an overdraft limit, and you can use it as an overdraft within the limit.

Personally, I think it is very convenient to use a credit card. You can spend first and then repay, and you can enjoy the interest-free period for your purchases, which is great. Moreover, the points accumulated on debit cards are generally cleared every year, which is not very cost-effective. Credit cards are different. Their points are valid all year round (except for special cards), and you can exchange them for gifts whenever you want. Moreover, when making daily purchases with credit cards, they often offer some discounts, and they are quite powerful.

If you don’t have a credit card, you can apply as long as you are 18 years old and have a stable job and income. You can go to the CCB credit card website to apply directly online, or you can go to a CCB branch to provide information and apply.