The card you mentioned. This is a debit card and cannot be overdrawn. You can swipe your card at the mall! Generally, ICBC's Peony Card, CCB's Dragon Card and BOC's Great Wall Card can be swiped in most shopping malls. Because even if a shopping mall doesn't have a POS machine with your cartoon line, you can brush it. Because it is already a UnionPay card.

For example, if you have a peony card of ICBC, the mall you go to only has a POS machine of CCB, so it doesn't matter! Still can brush! And unlike other banks' ATMs, you have to pay a handling fee. POS credit card consumption is completely free!

The difference between this debit card and credit card is that the credit card directly signs a name, and the signature handwriting on the back of the signature root card is the same. Even if the money in the card is not enough, you can still overdraw. You must enter the correct password when swiping a debit card. And you can't overdraw. You have to sign a debit card after spending, but even if you sign one casually, it doesn't matter as long as the password is correct!