bank cards can only be overdrawn by credit cards, but debit cards cannot be overdrawn. There are three ways to know whether your card is a credit card or a debit card:

1. Counter inquiry: The cardholder carries his ID card and bank card to the bank counter for direct inquiry.

2. Customer service telephone inquiry: The cardholder dials the customer service hotline of the bank where the bank card is opened, and directly inquires the information of the bank card after verifying the personal identity information.

3. Credit inquiry of China People's Bank: Cardholders bring their ID cards to the counter of the local People's Bank of China to print personal credit report for inquiry. If it is a credit card, the card number will be displayed on it. If it is an ordinary debit card

Debit card

A debit card refers to a credit card that deposits first, then consumes (or withdraws cash), and has no overdraft function. According to different functions, it can be divided into debit card (including savings card), special card and stored value card. Normally, the bank cards that everyone runs need to be deposited and then they are all debit cards.

credit card

a credit card refers to a credit card that the issuing bank gives the cardholder a certain credit line, within which the cardholder can spend first and then repay. Credit card A credit card is a special card issued by a bank or other financial institution to those with good credit standing, which is used for shopping and spending in designated businesses or for depositing and withdrawing cash in designated banking institutions. It is a special credit certificate.