1. It is relatively simple to apply for a debit card. This kind of card is deposited first and then paid out. That is, you can use as much as you deposit, and it is over when you use it up. It cannot be overdrafted. It can be done at any branch of Bank of China or other banking institutions, and it can be done in 10 minutes.

2. If you want to apply for an overdraft card (called a credit card), the procedure is more complicated, especially for personal credit evaluation. You can apply for a credit card only if you have a credit record in the bank.

3. Where your business is located, go to the bank where your business has an account and apply for a credit card. Your company can also open an account at Bank of China. It is simple to apply for a card (there are ordinary credit cards, silver cards, gold cards, and diamond cards). If you have a credit agreement with the bank, you can have an overdraft of up to 600,000 yuan. Banks encourage overdrafts.