Borrow definitely writing down card is to show the person that hold card must press hairpin bank to ask deposit is certain first a shot in the locker of amount , when inadequacy of amount of account of a shot in the locker pays , the credit card that overdraws inside the line of credit that can provide in hairpin bank 准贷记卡是指持卡人须先按发卡银行要求交存一定金额的备用金，当备用金账户金额不足支付时，可在发卡银行规定的信用额度内透支的信用卡。
Between 21 october 1993 and 6 april 1995 , the chens colluded with feng and chi to make use of a " changcheng card " issued to the couple by the bank to obtain a fraudulent overdraft of renminbi 427 , 497 , 230 from zhongshan branch of boc without the prerequisite loan application , guarantee or mortgage procedure 自1993年10月21日至1995年4月6日间，陈氏夫妇与冯、池两人内外勾结，利用二陈在该行申领的长城卡，在没有办理任何正常的贷款申请、担保、抵押等手续的情况下，采用恶性透支的手段，共同挪用了中行中山分行的资金共计人民币42749 . 723万元。
