The reasons why the Changchun Anti-epidemic Volunteer Certificate is issued by a bank are as follows. Strictly speaking, the Anti-epidemic Volunteer Card is not a real credit card, it is just an agent of the bank. A registered volunteer certificate with a debit card (deposit card) function refers to a bank card issued by the card-issuing bank to the cardholder. It has no credit limit and the cardholder deposits first and uses it later. Debit cards cannot be overdrafted and have the functions of transferring funds and depositing and withdrawing cash.