First of all, I don't think the card in your hand can be overdrawn, because the credit card has a validity period and there is no bank at present. The credit card has been valid for six years. Your card is a peony smart card, which is itself a debit card. It was processed in 2003. Therefore, it should be judged that it is a debit card and it is impossible to overdraw. If you want to overdraw, you need to use a credit card, if you already have one.