The credit card itself can be used for overdraft consumption, so as long as you have a credit card, you can have an overdraft without applying for another one.

“If you are a full-time college student with an undergraduate degree or above who is over 18 years old, you can apply for our bank’s college student card, championship football card and my love personalized card. In addition, our bank has issued many colleges and universities If your institution is one of the universities that our bank cooperates with to issue cards, you can also choose to apply for it. When applying for the card, you are generally required to provide a copy of your ID card and your student ID card. In addition, according to the regulations of the China Banking Regulatory Commission, you must be over 18 years old. College students who are 18 years old must specify a second source of repayment when applying for a card. Therefore, your parents (or relatives) will need to fill in and submit relevant declaration materials."

This is on the CCB credit card website." Answers about how to apply for a card for college students can be seen in the Frequently Asked Questions. According to CCB, if you meet the conditions for applying for a card, you can apply at a CCB outlet, but remember to bring your parents to fill in relevant information.