If you have a credit card, you can use it to overdraw. If you use China Merchants Bank credit card, you can enjoy the interest-free period. Interest-free period means paying off all expenses before the final repayment date, so you don't have to pay any interest. The interest-free repayment period is 20 days to 50 days, depending on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; You can enjoy a longer interest-free period if you include it in the next bill after the bill date.