China Construction Bank has issued two "Homeland Dragon IC Credit Cards". One is jointly issued with Southern Property. The words "Southern Property" are written in the upper right corner of the card. There is also one jointly issued with China Overseas Property, and there are also the words China Overseas Property in the upper right corner of the card. The card number is 16 digits. All have IC chips. If your card looks like this, it is a credit card.

In addition to being used as an ordinary credit card for overdraft consumption and cash withdrawal, this card can also be used as a community access control to verify card access at community entrances, parking lots and other places. You can also apply for a secondary card for family members under one card. The secondary card can also be used as a credit card, using the limit on the main card.

As for the annual fee, you can waive the annual fee for that year by spending or withdrawing any amount 3 times a year. The same is true for supplementary cards.