either one will do; Just have an ID card; Personally speaking, the service is still the best for China Construction Bank and Bank of Communications. There won't be any risk. You may have to charge an annual fee. I have a lot of cards now, all given by the school; There is Longka of Jilin University; Bank of communications student card, etc., of course, this is done in the name of the school without annual fee; It's basically a year for individuals to run a business in 1 yuan. Go to the bank and tell him what business to do, just fill out a form; There's nothing wrong with a debit card. Of course, I don't know if I do it personally. Anyway, I just spend my Dragon Card first and then pay it back, just pay it off within 5 days. Exceeding the interest rate. You can overdraw 1 yuan! Of course, it's a credit card consumption, and the ATM collects money. It's two yuan!