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Can the money in the basic pension account in Dongguan social security card be used to buy things by credit card?

Personal accounts of old-age insurance do not meet retirement benefits, and can only be received in one lump sum. Those who have not reached retirement age cannot withdraw in advance. There is no credit card to buy things. Medical insurance personal account, you can go to the pharmacy to buy medicine or pay for it when you go to the hospital clinic, which has nothing to do with endowment insurance.