Direct consumption function. This is the most basic function of a credit card. Cardholders can use cards instead of cash in special merchants marked with Great Wall Credit Card of China Bank, including shops, hotels, restaurants, airports, hospitals and other places.

Savings deposit function. The bank will calculate the deposits and reserves in the credit card account according to the stipulated interest rate and regard them as savings deposits.

Transfer and settlement functions. With this card, the cardholder can transfer payment from the self-owned account of the banking institution in China.

ATM cash withdrawal function. Cardholders can withdraw cash at China Bank outlets and ATMs in the province.

Overdraft function. The cardholder can withdraw and pay the overdraft within the limit allowed by the issuing bank, and charge overdraft interest at the same time.

Collection and payment functions. Cardholders can provide services such as paying wages, collecting telephone charges and surfing the Internet for specific units that have signed contracts with banks through Jitong.