Wechat can't send out money, and the reason for credit card overdraft is that credit card issuers give cardholders short-term overdrafts within the prescribed limits when shopping with their cards. If you hold a CMB credit card, you can't repay it in full after consumption. You can consider applying for minimum repayment, bill installment and e installment. Whether the application for bill installment and e-installment can be successful shall be subject to the examination.