They are different businesses. You can apply to see if you need the rights and interests inside. There are handling fees and high annual fees, and many people are unwilling to handle them.

Longka Family Credit Card (hereinafter referred to as Family Credit Card) is an exclusive credit card product issued by China Construction Bank for family customers, which can meet the needs of you and your family members from food, clothing, housing and transportation to medical care. The annual fee for the UnionPay version of Longka Family Credit Card is 580 yuan/card/year, and the annual fee for the supplementary card is 300 yuan/card/year. There is no annual fee for swiping a card. Whether the card is activated or not, China Construction Bank has the right to charge an annual fee.