1. The financial function of the social security card must be activated before it can be used, and the part paid for social insurance benefits can be withdrawn, but the funds in the personal account of medical insurance cannot be withdrawn;

2. The social security card can be used to settle medical expenses in real time without additional reimbursement, but if there is no social security card, it is necessary to keep the receipt to the unit for reimbursement through the social security agency;

3. Generally, social insurance can't be paid at discount, and the money in the social security card can't be withdrawn in advance and can't be directly used for cash consumption;

4. The social security card can be used as a bus card in some areas, but this function needs to be enabled and the local bus company needs to support this service.

Reasons why social insurance can't be paid by credit card:

1. The policy stipulates that social insurance premiums are compulsory financial charges, and it is necessary to ensure the timely arrival and safety of funds, while credit card payment has overdraft risk, which may affect the timely collection of social insurance funds;

2. Risk control: Credit card payment may involve overdraft consumption, which increases the risk of social security fund management. Therefore, in order to ensure the safety of social security funds, credit card payment is usually not supported;

3. Expense problem: Credit card payment often needs to pay a certain handling fee, while social security expenses need to be paid in full. Using credit card payment may lead to insufficient actual amount received;

4. Clear capital flow: Social security expenses need to ensure the legitimacy and clarity of the source of funds, and the direct use of savings cards or bank transfers can better track the capital flow.

to sum up, the main reasons why social security cannot be paid by credit card are policy regulations, risk control, expenses and clear capital flow.

Legal basis:

Article 4 of the Social Insurance Law

The Chinese people, employers and individuals within China pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.