I have an ICBC Peony Education Student Card. I know it is a credit card, but I don't know how to overdraw it. I heard that there is no money in the credit card, and I want to use it to withdraw it directly from the ATM. Although your bank card is also a credit card, it is zero at present, which means there is no available credit limit. At present, it is equivalent to a debit card and cannot be overdrawn. The purpose of ICBC's card is to prove your repayment ability through your continuous use, and then you can overdraw cash from the card.