(China Merchants Bank) If the total limit of your credit card is 3,000, and all overdrafts have not been repaid, you will not be able to overdraft again next month.

Credit card overdraft mainly depends on how much available credit is available.

The available limit refers to the credit limit of your credit card that has not been used. The calculation method is as follows: credit limit - unpaid amount that has been paid out - accumulated amount that has been used but not recorded in the account = available limit

It is recommended that you repay on time to avoid affecting your credit record.

If it is a China Merchants Bank credit card, if you fail to repay the minimum payment on the bill in time before the due date, late payment fees and interest will be charged, and your personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until you pay it off in full. In order to avoid affecting your personal credit, it is recommended that you repay the bill on time. If it is inconvenient to pay off the bill in full, please pay off at least part of the minimum repayment amount on your credit card. Minimum repayment amount = 10 for all general transactions on the credit card account 100 for all unsettled accounts. Amount of single period of settled installment transaction 100 Minimum repayment amount of the previous period Unpaid portion 100 Total amount used exceeding the credit limit of the account 100 Fees 100 Interest The minimum repayment amount refers to the minimum monthly repayment amount of a credit card, which is displayed on the credit card in the current month on the bill. If you cannot repay it all at once, you can repay the minimum payment amount on time before the final payment date. This will not affect your personal credit, but you will not be able to enjoy the interest-free repayment period. Interest will be accrued on all consumption in the current period from the recording date. Interest rate is five ten thousandths. (If you repay in full and on time, you can enjoy the interest-free period for credit card purchases.) If you do not repay, your credit will be affected and you will be charged interest. The bank will first demand payment, and then it does not rule out seeking legal channels for settlement. It is recommended that you seek help from relatives and friends to repay the loan as soon as possible.