Different fund companies need different settlement cards. For example, GDB cards can buy funds owned by Guangfa, but not those invested by Morgan. CCB cards can buy funds owned by Huaxia, but not those owned by Guangfa. Counter direct selling of fund companies: Counter direct selling of fund companies is a traditional sales channel, which mainly serves V-P customers. Professional service personnel provide consulting services and can also get preferential rates. There are few outlets and the threshold is relatively high, which is not suitable for small and medium investors. Fund direct selling refers to a way of buying and selling funds through fund companies or their websites. The purchase and redemption are directly carried out on the fund company or the fund company's website, with no agency fee and preferential rate. Fund direct selling is a marketing method that directly provides products or services to consumers. For fund companies, direct selling means that fund companies sell their own fund products directly to customers. For example, the online trading system of Broadcom AliExpress is the online direct selling system of Broadcom. Under normal circumstances, you can enjoy a certain degree of rate concessions by purchasing funds through the online direct selling system of fund companies. For example, if you purchase Bosera's funds through Bosera Huitong online trading system, you can enjoy a minimum subscription rate discount of 60%. The characteristics of fund direct selling are suitable for people who sell funds directly: people who require high time efficiency or only invest in a few funds, such as the fixed investment of funds.