Credit card consumption itself is to support overdraft within a certain period of time. If the credit card consumption and repayment are normal, there is no malicious overdraft and overdue repayment, which will not affect the loan. If you keep a good credit record, you can still borrow money if your credit card is overdrawn.

Usually, credit card overdraft in life refers to the short-term overdraft given to cardholders by credit card issuers within the prescribed limit when shopping with cards. For credit cards, it is allowed to "consume first, then repay", and overdraft is an important feature. For debit cards, it should be "deposit first, then spend", but on the premise that it is recognized as goodwill overdraft and repayment is guaranteed, the cardholder is also allowed to overdraw an appropriate amount in a short time when the money is urgently needed. Overdraft interest is generally much higher than bank loans in the same period, and card issuers also have a set of measures to prevent and recover overdraft risk losses.

Overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. Generally speaking, it is a form of borrowing to withdraw cash through the bank counter or ATM with a credit card given by the bank. If you spend money in a shopping mall, take a credit card directly. This is called overdraft consumption (interest-free period).