Not a credit card. UnionPay cards include UnionPay debit cards, UnionPay credit cards, and other rare UnionPay prepaid cards.

You need to have money in the UnionPay card to swipe the card and withdraw money. If you don't have any money on the credit card, you can withdraw the money first (generally banks call it an overdraft), or you can swipe the card, and then pay the money back within the specified number of days. That is, you spend money first and then put the money on the credit card.

UnionPay cards refer to bank cards that comply with unified business specifications and technical standards and have the word "UnionPay" printed on them at designated locations. Card numbers usually start with "62". According to the relevant person in charge of the People's Bank of China, bank cards with the "UnionPay" logo must comply with the unified business specifications and technical standards stipulated by the People's Bank of China and be approved by the People's Bank of China.

For details, please check the official website or contact UnionPay customer service!