The Shenzhen Volunteer Card debit card cannot be used as a credit card because it is a debit card.

Debit card refers to a bank card that deposits first and then consumes (or withdraws cash) without overdraft function. The main functions of debit cards:

1. Deposit and withdraw cash. Debit cards have a savings function. Debit cards can be used to deposit and withdraw money at card-issuing bank outlets, self-service banks, and at ATM machines across the country and even the world. Withdraw money from (ATM).

2. Transfer and remittance. Cardholders can transfer or remit money to other accounts through bank branches, online banking, self-service banking and other channels.

3. Spend by credit card. Cardholders can use their debit cards to make purchases at merchants.

4. Collection and payment. Debit cards can be used to pay wages and pay various fees (such as communication fees, water bills, electricity bills, gas bills, etc.).

5. Asset management. Wealth management products, open-end funds, insurance, personal foreign exchange transactions, precious metal transactions, etc. can all be signed, traded and settled through debit cards.

Credit cards are issued by banks to cardholders based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card and must repay before the repayment date.