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Is the China Construction Bank Dragon Card Deposit Card a bank card or a credit card?

The CCB Dragon Card is a debit card. On the basis of the original traditional bank card functions such as transfer, consumption, cash deposits and withdrawals, payment, collection and payment, CCB Dragon Card adds more value-added functions such as multiple accounts with one card, investment and financial management and other financial management contract services.

According to Article 2 of the "China Construction Bank Dragon Card Debit Card Charter", the Dragon Card Debit Card referred to in this Charter is a card issued to the public by China Construction Bank (hereinafter referred to as the "Issuing Bank") with consumption settlement, Financial payment and settlement tools with full or partial functions such as transfer payments, cash deposits and withdrawals, and account management must be deposited first and then withdrawn, and overdraft services are not provided.

Extended information:

Article 6 of the "China Construction Bank Dragon Card Debit Card Regulations"? When applying for a Dragon Card debit card, the applicant should provide relevant application information as required by the issuing bank. , fill out the application form and sign a card collection contract with the card-issuing bank. The applicant's signature on the application form indicates that he is aware of the relevant regulations of the card-issuing bank, is responsible for the authenticity of the content filled in, confirms the fulfillment of the provisions of the card collection contract, and abides by this Article. The card-issuing bank will issue cards to applicants who meet the application conditions.

Article 7: Deposits in Dragon Card debit card accounts bear interest. The card-issuing bank will follow the relevant deposit interest rates and interest calculation methods stipulated by the People's Bank of China based on the type and function of the card applied for by the cardholder. Calculate and pay interest, and withhold and pay interest tax in accordance with the law.

China Construction Bank - China Construction Bank Dragon Card Debit Card Regulations