Effective usage time. Kunshan Rural Commercial Bank Qionghua Card is valid for three years. Cardholders need to use the card within the validity period and need to apply for it again after expiration. Kunshan Rural Commercial Bank Qionghua Card is issued to the public by Jiangsu Kunshan Rural Commercial Bank Co., Ltd. It provides cardholders with a certain credit limit and is a credit payment tool with functions such as consumer credit, cash deposits and withdrawals, and transfer settlement.