It is a card similar to a savings card. After checking the letter, I learned that the settlement card is not an overdraft card, but a new type of savings card similar to a savings card. It can be used for online remittances, cash storage, consumer transactions, financial investments, and account inquiries. It cannot be used for overdraft consumption. , only overdraft cards can make overdraft purchases. Settlement cards are issued only in response to customer demand and are linked to the company's bank account.