First, a salary card (usually a debit card)
Salary cards can usually be exempted from small account management fees, annual fees and other benefits, so salary cards are essential bank cards for ordinary families. I suggest that you link your business of paying water, electricity and coal with your salary card, so that you can log in to the passbook or online bank of the bank where your salary card is located, and the monthly household expenses and other income and expenditure details can be seen at a glance. It would be better if the salary card has financial management function, and you can get investment income by buying financial products such as stocks, funds and bonds.
Second, the consumption card (usually a credit card)
Because credit cards have the function of "spending first and then repaying" and have an interest-free repayment period of up to 50 days, some businesses can also enjoy preferential treatment, so it is recommended that ordinary families have credit cards. However, from the perspective of security and personal credit, it is best for everyone to have no more than two credit cards and repay them in time.
Third, repayment cards (usually debit cards)
At present, the bank will have a special mortgage repayment account. For example, after China Bank handles the loan business, its repayment account is generally a new account with one card and one discount, or an existing current account such as a salary card can be directly designated as the repayment account. Because the loan is processed at the designated time in the background, and the lender's repayment account is associated with a debit card, even if the counter is busy, the monthly repayment can be completed in the self-service bank, which saves a lot of troublesome procedures and can be said to be worth the money.