Credit card is different from debit card (savings card), instead of putting money into the card and spending it by credit card. Provide your personal data at the bank for review by the bank's credit card department. If it passes, it will be approved and the credit card will be sent to you. You can overdraw (borrow from the bank) within the credit card limit, spend or withdraw cash (depending on different credit cards, there are different withdrawal ratios), and pay back the money before the repayment date of the next month (you will be issued a bill every month, indicating the minimum repayment amount for the next period). Credit cards will charge an annual fee (about 50,600 yuan). Credit card overdraft is the money spent today and tomorrow. If your credit conditions are not enough, you may not pass the examination.