At present, Bank of Communications can bind debit cards of other banks for repayment, and there is no handling fee for repayment. Bank of Communications related repayment can be divided into bank related repayment and inter-bank related repayment, both of which are free of handling fees. Among them, the bank-related repayment is automatic repayment by Bank of Communications savings card, and the arrears of Bank of Communications credit card will be automatically deducted from the savings account on the due date of your repayment every month. When the automatic repayment function is enabled and takes effect, the Bank of Communications will automatically deduct the designated amount of the debit card of the same name from the Bank of Communications on the due repayment date of each month to repay the RMB and USD arrears of the credit card.

Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. A Special card is a debit card that is used in a specific area and has a specific purpose (except for department stores, restaurants and entertainment industries), and has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction. From August 1 2007, the annual management fee for bank cards was cancelled, and some basic financial service charges of commercial banks were suspended.

If the debit card is only applicable to local merchants, it is usually printed with the logo of the card issuer and its applicable processing system. The international debit card has the same appearance as the credit card, and the logo of the international payment card institution is printed on the lower right corner. It is very popular in all the sales points that accept credit cards. The difference is that when using a debit card, the amount will be automatically deducted from the bank account instead of being included in the credit line.

Deposit and withdraw cash. Debit cards mainly have the functions of local and foreign currency savings, time savings and current savings. Debit cards can be used to deposit and withdraw money at card-issuing bank outlets and self-service banks, or at ATMs in China and even around the world.