The various uses and functions of the extended information credit card are endowed by the issuing bank according to the social needs and internal operating ability. Although the functions of credit cards issued by banks are not completely consistent, all bank credit cards have basic functions such as shopping, transfer settlement, savings, micro-credit, remittance settlement and installment payment.
Shopping consumption function: when the goods and services paid by the cardholder exceed the balance of his credit card account, the issuing bank allows the cardholder to make short-term overdraft within the prescribed limit.
Reference Credit Card _ Baidu Encyclopedia