The overdraft methods of CITIC Bank Xinxiang Card are:

1. Overdraft withdrawal, the cardholder can bring his ID card and credit card to the bank ATM teller machine to insert the credit card, and then follow the prompts to enter the withdrawal Password, then follow the prompts to select the withdrawal function, select the withdrawal amount, and click "OK" to withdraw the money.

2. For overdraft consumption, cardholders can use their credit cards to go to shopping malls, shops, restaurants, hotels, etc. to make purchases by swiping the card. After swiping the card, they can repay on the final repayment date. Xinxiang Card is a card with dual benefits. Benefits are superimposed, debit and credit rights and market activities are shared. The Xinxiang Card has more features than ordinary cards, including free ATM cash withdrawals and transfers in other places.