Everbright Bank can overdraw, and one of the inherent functions of credit cards is to spend first and then repay. Generally speaking, China Everbright Bank will make a comprehensive evaluation according to the applicant's personal qualifications, and then give the corresponding credit line. Cardholders can overdraw their consumption within the credit line given by China Everbright Bank, or they can use credit card overdraft to withdraw cash within the limit set by China Everbright Bank.