1. Without income sources and collateral, you can't get a loan. Even if there is collateral and no source of income, you can't lend. If the loan is issued, the bank will operate illegally at that time. You can report to the CBRC.

If the credit card is overdrawn, his credit card will be confiscated. Or the bill payment date is up. If you can't pay the money, you will be blacklisted. I can't overdraw the future.