1. It’s a credit card.

2. You can make overdraft purchases by going to the mall to swipe your card first, and then return it within the specified time. There is an interest-free period of 20-50 days.

3. It is free to apply for a card.

4. The annual fee will be waived if you swipe the card 3 times. The card must be swiped at least 3 times every year, otherwise an annual fee of 80 yuan will be charged.