1, Agricultural Bank Jinsui Credit Card is a debit card. 2. There are no special provisions, which are basically the same as those of the People's Bank of China for debit cards. Note that it is stipulated that overdraft is not allowed. 3, no. Because the account subject of the company card is the company, that is, the department store. Holding a card by a company employee is only a work agency behavior authorized by the basic work. That is, the identity of the cardholder is the agent of the company. The agent of civil behavior cannot be the party to the basic civil legal relationship. 4. If you overdraw without signing an overdraft contract, it is a malicious overdraft, that is, it has been suspected of credit card fraud. Because the law clearly stipulates this, the malicious overdraft of credit cards is included in the criminal offence to be cracked down. If there are no other special circumstances, the court should of course decide to pay off the principal, overdraft interest and penalty interest within a time limit.