1. CCB’s Dragon Card is not a credit card and cannot be overdrafted. Dragon Card is a new comprehensive bank card that China Construction Bank combines into one, a wealth management card and a savings card. The card’s biggest feature is its powerful financial management function, which is open to ordinary people and does not set a threshold for card issuance.

2. To apply for a credit card, you mainly need to provide your identity document, proof of personal income, and other documents that can prove personal assets, such as real estate certificates, etc.

3. It may be a bit difficult to apply for a credit card in your current situation.