Credit cards can be overdrafted, but other cards cannot be overdrafted. However, banks have more cumbersome procedures and higher requirements for people who apply for credit cards. This will be treated differently by different banks.

UnionPay card: (not Yinglian card) is a card with the "UnionPay" logo on the card. That is to say, if it is marked with the "UnionPay" logo, you can withdraw funds from other banks affiliated to UnionPay. However, some banks charge fees for inter-bank withdrawals.

Debit card: It is a bank card opened in a certain bank to facilitate deposits and withdrawals. Generally, it does not have overdraft and inter-bank withdrawal functions. Unless there is a "UnionPay" logo on the card.