Dragon Pay is not a credit card (debit card). As a payment brand, Dragon Pay is mainly used for scan code payment, QR code collection, etc. It is not a credit card (debit card) and does not have the function of overdraft consumption. If users need to make overdraft purchases, they should apply for a credit card (debit card) instead of activating Dragon Pay. Of course, Dragon Pay does not charge any fees after it is activated, and there will be no impact if it is not used for a long time.

Dragon Pay can only be used through the China Construction Bank Mobile Banking APP. If you use it for the first time, you need to activate it. Only after the activation is successful, the user can use Dragon Pay.