1. Real loan: Credit card overdraft actually belongs to the situation of issuing loans. The issuing bank provides funds to the cardholder in the form of overdraft, and the cardholder needs to repay the funds at the agreed time limit and interest rate, which is considered as a real loan behavior.

2. False overdraft: Credit card overdraft is only a formal overdraft, which is actually the situation of issuing loans. The issuing bank does not really expect the cardholder to return the funds according to the agreed time limit and interest rate, which is considered as a false overdraft.