Are you asking whether a bank credit card is an asset or a liability? In other words, as long as you have a credit card, whether you use it or not, someone will repay the bank, so the credit card is your debt and the bank's asset.

Bank card overdraft is the process of spending first and then repaying. You can use the bank's funds to spend in advance and pay off the arrears on the repayment date.

Only credit cards have overdraft function, and savings cards do not have this function.