China Construction Bank’s wealth management gold card is a debit card, not a credit card.

Debit card:

①

Debit card (Debit

Card) refers to depositing money first and then spending (or withdrawing cash). Bank cards with overdraft function;

②

According to their different functions, they can be divided into debit cards (including savings cards), special cards and stored-value cards;

③

Debit card is a credit instrument with functions such as transfer settlement, cash deposit and withdrawal, shopping and consumption;

④

Debit card No overdraft is allowed. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money;

⑤

Specialized cards are used for special purposes in specific areas (purposes other than department stores, restaurants, and entertainment industries). Debit card has the functions of transferring money and depositing and withdrawing cash;

⑥

Stored-value card is a bank that transfers funds to the card for storage according to the cardholder's request. The card is directly transferred from the card during transactions. Prepaid wallet debit card with on-board debit.