According to Xicai.com's inquiry, Minsheng Ctrip's joint debit card does not have the function of overdraft consumption, nor is it a credit card. Banks applying for credit cards need to check the applicant's personal credit, income and liabilities, while banks applying for debit cards only need ID cards.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day. According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.