Trade union credit card, essentially a kind of credit card, has some benefits, such as free service charge, financial function, and enjoying preferential activities of some local cooperative outlets, such as supermarkets, cinemas, car washing and gas filling.

Although applying for a credit card does not require mortgage guarantee, and there is no mandatory rule that there can be no debt, banks generally require the applicant's debt ratio, and will estimate the applicant's debt situation in combination with the applicant's income and outstanding debt in credit information. For example, if the debt ratio exceeds 50%, the applicant's debt will be higher, which will be considered as insufficient repayment ability and more difficult to approve the card.