Yes. As long as you have the credit card, you can open it via phone, online banking, banknote or at the counter. You can overdraft as much as you have a limit. Generally, the cash withdrawal limit is only half of the fixed limit, and a small amount can be withdrawn in full.

It should be noted that credit cards are not pie-in-the-sky, free, but consumption in the current period, repayment in the next period, consumption in the next period, and repayment in the next period. Moreover, if it is overdue, the consequences will be very serious. You will not be able to get the loan in the future, and you will be charged a late fee, and a very high interest rate of 0.05% per day, with an annual interest rate of 18. Malicious overdraft, if the amount is huge, you will also be sentenced.

Credit cards also have annual fees, which can be waived for regular and gold cards. It is recommended to consume rationally and use cards rationally.

What you use is always your own money.