The card has all the functions of the current standard international credit card, with an overdraft limit of 3,000 yuan for undergraduates and 5,000 yuan for postgraduates. However, the maximum monthly overdraft withdrawal for undergraduates is 1500 yuan, and the monthly overdraft withdrawal for graduate students is 2,500 yuan. Whether it is a college student or a graduate student, there is a fee-free discount for withdrawing cash once a month. However, if there is personal deposit in the card, there is no need to pay interest when withdrawing cash. If there is no self-owned fund in the cardholder's account, there will be an interest-free period of 50 days at the longest, and then interest will be paid to the bank. The interest rate is the same as other standard credit card overdraft rates.