[namdnay]

Being able to go below 0 is not tied to having a credit card. Nearly all debit cards issued in Europe can do this to. The only ones that don’t are things like Electron (systematic authorization), but they don’t play well with “fast” systems like motorway tollgates

[gambiting]

So what happens here in the UK with my visa debit card, is that if I somehow go below 0 using it(very difficult, but it has happened before) then my bank sends me a text saying "hey, you have gone into unarranged overdraft, please pay in some money before tomorrow 3pm or we'll charge you a fee".

But of course, that implies that the bank isn't greedy.