Legal analysis: Credit cards can be overdrafted, but there are relevant regulations and maximum limits on credit card overdrafts.

Legal basis: "Payment and Settlement Measures"

Article 153. The maximum credit card overdraft amount shall not exceed 10,000 yuan for gold cards and 5,000 yuan for ordinary cards. . The maximum credit card overdraft period is 60 days.

Article 154: Credit card overdraft interest will be calculated at a daily interest rate of 5/10,000 within 15 days from the date of signature or bank accounting date, and a daily interest rate of 10/10,000 for more than 15 days. If the overdraft exceeds 30 days or the overdraft amount exceeds the prescribed limit, the daily interest rate will be calculated at 15/10,000. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

Article 155: Cardholders shall not cause malicious overdrafts when using credit cards.

Malicious overdraft refers to an overdraft behavior in which the cardholder exceeds the prescribed limit or prescribed period, and the collection by the card-issuing bank is invalid.