China Merchants Bank Spongebob Co-branded Card is not a credit card, but a debit card, which does not have the function of overdraft consumption. 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. China Merchants Bank Spongebob Co-branded Card can be said to be a theme debit card, with the same functions as ordinary debit cards except that the card face is different from ordinary debit cards.