The joint cards issued by credit union banks are usually debit cards. At present, all bank cards issued by banks are "UnionPay cards", which means they can be used in ATMs and point-of-sale terminals of different banks. Credit cards, also known as credit cards, need to be processed through special channels.

The "Pearl River Safe Card" is a debit card issued by Guangdong Rural Credit Cooperative with the "UnionPay" logo and settled in RMB. It can be used at Rural Credit Cooperative outlets, telephone banking, multimedia terminals and other self-service equipment and It can be used at special merchants and self-service teller machines (ATMs) with the China UnionPay logo. It has functions such as consumption, cash deposits and withdrawals, transfer settlement, and pre-authorization (currently only applicable to air ticket ordering and hotel merchants).

Pearl River Safe Card functions:

1. Named debit card. Cardholders must use the card and password, deposit first and then spend. It is convenient, fast and safe to use.

2. The card folds into one. With the Zhujiang Ping An Card, you can deposit and withdraw cash, check balances, transfer funds and change passwords at the business outlets and ATMs affiliated to the Rural Credit Cooperative. All transaction records will be reflected in the passbook, making it easy for customers to check at any time.

3. 24-hour withdrawal service, inquiry and transfer.

4. Special merchant consumption services. Spending by swiping your card is easy, convenient and safe, and you can enjoy our various points discounts at the same time.

5. Other services. With the Zhujiang Ping An Card, you can handle various traditional businesses as well as collection and payment services.

6. Transfers from credit unions in the province arrive in real time