Hello, meal cards cannot be overdrawn and are not considered credit cards. The credit card is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases, and repayment will be made on the billing date (English: Billing Date). [1]

Credit cards are divided into credit cards and quasi-credit cards. A credit card is issued by a bank and gives the cardholder a certain credit limit. The cardholder can spend within the credit limit first. A credit card that is repaid later; a quasi-credit card refers to a quasi-credit card issued by a bank, where the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the quasi-credit card can be overdrafted within the specified credit limit. Card. The so-called credit card generally refers to a credit card only.