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I applied for a Bank of Communications credit card (Pacific Card) with a debit card attached. I wonder if this card can be used directly?

you can use it. This card is a free Pacific debit card for customers. It is independent and can be understood as a free ordinary savings card for yourself.

According to Article 2 of the Articles of Association of Pacific Debit Card of Bank of Communications

Pacific Debit Card is a financial payment tool (including joint name/identity/theme/photo card) issued by Bank of Communications and settled in RMB with the logo of UnionPay. It can be used in the business outlets of card issuers, telephone banking, online banking, mobile banking, self-service banking and other electronic channels, and the business outlets of other financial institutions recognized by card issuers and affixed with the logo of China UnionPay.

this card has the functions of consumption, cash deposit and withdrawal (IC card only), inquiry, transfer (including card and card, card and deposit, transfer between card and various agencies and various transfer payments, etc., the same below) and settlement.

Extended information:

Relevant provisions of the Pacific Debit Card Charter of Bank of Communications

The funds in the personal card account are deposited with the cash held by the individual or transferred with his salary, legal labor remuneration, investment return and other income belonging to the individual. It is strictly forbidden to deposit the unit's money into the personal card account.

overdraft is not allowed for Pacific card accounts. The deposit amount in the Pacific Card imprest account is unlimited and can be renewed at any time. The card issuer shall calculate and pay interest according to the deposit interest rate stipulated by the People's Bank of China and withhold interest tax according to law.

in addition to the petty cash account, there are also electronic cash accounts in the Pacific IC card account. The upper limit of the balance of the electronic cash account is 1 yuan (inclusive), with no interest, anonymity, loss reporting, payment and no password.

Baidu Encyclopedia-Bank of Communications Pacific Debit Card

Bank of Communications-Bank of Communications Pacific Debit Card Articles of Association.

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