Yes, Bank of Communications credit card is a credit card. There will be a fixed amount in the credit card, and the cardholder can spend, transfer and withdraw cash within this amount.

The characteristic of Bank of Communications credit card is that it can be overdrawn, and you don't have to pay cash for shopping credit cards, but you can repay them after the account is received.

Bank of Communications credit card overdraft consumption has an interest-free period, and there is no charge for paying off during the interest-free period. There is no interest-free period for overdraft withdrawal. On the day of overdraft, compound interest is calculated at the interest rate of five ten thousandths, and it needs to be paid off within 60 days at the longest.