The credit card you just applied for can be overdrafted, because when you apply for a credit card, the bank will give you an overdraft limit. Within the limit, you can use the card to spend as much as you want, but you must repay it within the specified repayment date. Otherwise, you will have a personal bad credit record. Having a bad credit record will affect your future business operations at the bank. Call the credit card customer service center to check your overdraft limit and repayment time, and control the repayment time yourself.