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What if I don't have a credit card?
Legal analysis: Generally speaking, it is unlikely. The account name of the bank card must be yourself, so it is the employment relationship between the unit and you.

Legal basis: People's Republic of China (PRC) Labor Law.

Article 50 Wages shall be paid to labourers themselves on a monthly basis in the form of currency. The wages of workers shall not be deducted or delayed without reason.

Article 51 During legal holidays, wedding and funeral leave and participation in social activities according to law, the employing unit shall pay wages according to law.