1. U-Shield debit card cannot be overdrafted. U-Shield is an authentication tool for online banking payment and has nothing to do with overdraft;

2. Binding a mobile phone number to a bank card is not the same as applying for a credit card. It doesn't matter.

Credit card application conditions:

1. Be 18 years or older; 2. Hold a valid ID card; 3. No bad credit record; 4. Have a permanent job certificate; 5. Cover Proof of income with the financial seal of the unit; 6. Proof of other financial resources, such as real estate, cars, stocks, bonds, etc.; 7. Proof of social pension insurance; 8. Provide two contacts.

The first three conditions must be met, and providing 4-7 supporting materials as much as possible will increase the success rate of card application and credit limit. It is best to apply for a credit card at a bank branch. You will be notified by phone after approval.