Why can Genshin Impact successfully recharge even if there is no money in the card?

The card is a credit card.

According to the official website of Genshin Impact, the recharge cannot be successful if there is no money in the card. If the recharge is successful because you are using a credit card and can be recharged for overdraft consumption, it will show that the recharge is successful.

Genshin Impact is an open world adventure game produced and published by Shanghai MiHoYo Network Technology Co., Ltd.

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