The word "credit card overdraft" contains two different financial behaviors. First of all, when cardholders make daily purchases or withdraw cash, even if the account balance is insufficient to pay in full, they can still do so through a credit card. This is actually a form of borrowing from the bank, allowing temporary consumption within the credit limit. convenient.

However, another meaning of overdraft involves exceeding the credit limit. An "overdraft" occurs when a cardholder spends more than their credit limit. In this case, banks usually do not encourage it and may even charge additional fees for excessive consumption to warn cardholders to pay attention to credit management. Therefore, overdraft is not only about enjoying the convenience of a credit card, but also requires cardholders to have a clear understanding of their own financial situation and avoid unnecessary financial pressure.