Ping An Bank's credit card can be overdrawn. Generally speaking, credit card overdraft includes overdraft consumption and overdraft cash withdrawal. Overdraft consumption is to overdraw Ping An Bank's credit card by swiping the card on the merchant's POS machine. Generally, cardholders can overdraw their credit cards for eating, traveling and shopping. Overdraft withdrawal is to withdraw the credit line of Ping An Bank's credit card at ATM or bank counter. Generally, up to 50% of the credit line can be withdrawn. After withdrawal, installment repayment is not allowed, and the daily interest rate is five ten thousandths.