Supplementary information:
There is no charge for ordinary cards to open debit cards. As long as they are spent once a year or the average daily balance in the card reaches 1000 yuan, the annual fee is exempted. Those who fail to meet the above requirements will be charged 1 yuan per month and 12 yuan per year. If you use a silver card or a gold card, the fee is the same. If you spend less than 5,000 yuan a month or spend six times a year, you will be charged 10 yuan every month and 12 yuan every year. There is a wealth management card by default. This function is: when you use a credit card, if you use a wealth management card, the money will not be taken out of your card immediately, but will be frozen on your card (ordinary card is usually 30 days) and will be automatically transferred out when it expires, and you can enjoy the current interest for 30 days at that time. Debit cards don't have this function, so you can spend and transfer money at any time.
Extended data:
Ease of use and popularity: Debit card is one of the most commonly used payment tools in e-commerce because of its ease of use and wide popularity. More than 20 million outlets around the world accept signature debit cards from some international brands. Ease of use is one of the reasons why debit cards are becoming more and more popular. Debit card can not only save you the trouble of carrying cash, but also be convenient to use and fast to pay. The monthly statement (or statement) can clearly display all transaction records, which is safe and reliable: debit card has the same security as credit card. If your debit card is lost or suspected of being stolen, you should report the loss to your bank immediately to prevent others from stealing and reduce losses. Remember: the issuing bank provides you with consumer protection, which does not mean that you can care about your debit card; Debit cards, like money in bank accounts, should be properly kept.