If you owe money on a credit card, you can go to the bank to apply for a debit card.

To apply for a debit card, you only need to bring valid documents, such as ID cards, and there are no requirements for personal credit.

Debit card functions

1. Deposit and withdraw cash. Most debit cards have local and foreign currency, fixed-term, current and other savings functions. Debit cards can be deposited and withdrawn at card-issuing bank outlets, self-service banks, and can also be withdrawn from ATM machines (cash machines) across the country and even around the world.

2. Transfer and remittance. Cardholders can transfer or remit money to other accounts through bank branches, online banking, self-service banking and other channels.

3. Spend by credit card. Cardholders can use their debit cards to make purchases at merchants.

4. Collection and payment. Debit cards can be used to pay wages and pay various fees (such as communication fees, water bills, electricity bills, gas bills, etc.).

Extended information:

Collection and settlement of credit card debts?

1. The bank has the right to contact you by phone, letter, text message, WeChat, email, Directly collect debts from the customer and the guarantor through face-to-face interviews or judicial channels, or by entrusting a third party to do so, and request the customer to contact the bank's contacts, close relatives, and work units to report debt collection matters on their behalf.

2. Banks have the right to make public announcements and collections through the news media, publish the list of customers with bad behavior to the public or relevant parties, and have the right to apply to the people's court to include customers who have not fulfilled their judgment obligations and be executed for breach of trust. The list of persons subject to breach of trust shall be announced to the public by the People's Court. The People's Court may publish the list of persons subject to execution for breach of trust through newspapers, radio and other means. ?

3. The customer authorizes the bank to directly deduct funds from the margin account and any other accounts opened by the customer to pay off the debt owed on his Guangfa card. The bank does not need to notify the customer before deducting the money. If the currency of the aforementioned account is inconsistent with the settlement currency of the Guangfa Card account in which the debt is owed, the currency will be offset by the exchange rate published by the bank on the day of the debt. ?

Guangfa Bank-Credit Card Customer Agreement (Personal Card)

Baidu Encyclopedia-Debit Card