Let me answer you. No matter which bank you apply for a credit card in China, you don't need a guarantee. To apply for a credit card, you must meet the requirements of the bank and provide the qualification materials needed by the bank. There is no need to pay any fees for the card.

As for overdraft, different domestic banks have different standards for overdraft interest. The interest is not very high anyway. If the card is overdue, the interest generated is relatively high.