Debit cards are ok, and there is no overdraft. Even if the credit card is in arrears, handling the bank card will not be affected. Credit cards are generally not allowed. Being blacklisted by the bank naturally damages the credit. If the due bill cannot be fully repaid, it can be repaid according to the minimum repayment amount 10%. This will not only increase your credit history, but also increase your credit limit. But if you have a bad record in any bank, then you can't handle any credit business in other banks. If you are not sure whether you are blacklisted by the bank, you can go to the credit information system of the local people's bank for free with valid documents.