Look at the credit line. If the card has a credit limit, it can be overdrawn. If there is no credit line, you can't overdraw, you can only use it after saving. Credit cards generally have a credit limit, but this kind of credit card with special industry functions may issue cards to unqualified people considering the needs of applicants with card industry functions. This kind of person's card just has no credit limit and needs to be deposited in advance to use it.