When you were in college, your credit card had no other benefits except overdraft. Unless you need it when you have income. The advantage is that if you continue to use this card locally after graduation and can pay off the overdraft on time, your overdraft limit will increase.

The most troublesome thing is actually the repayment after you overdraw. Interest is the most important. Some cards can be exempted from the repayment date for a few days, but once this time has passed, the interest will be heavy.

If you don't pay back an overdraft for a long time, the amount you want to pay back will become incredibly high.

The calculation method seems to be: principal and interest+principal and interest percentage+(principal and interest+principal and interest percentage)+{(principal and interest+principal and interest percentage)} principal and interest percentage. . The principal and interest behind this is the sum of the money in front.