The use of credit cards is to spend first and then repay. Its own purpose is to overdraw. Simply put, you can use it before saving money, which is equivalent to borrowing money from the bank and paying it back when it is used up. This is an overdraft. So the overdraft limit is equivalent to the credit card limit. Credit card quota is divided into fixed quota and temporary quota. The fixed line is the overdraft line initially instructed by the bank (you can apply to the bank for increase after a long time), and the temporary line is the temporary line applied to the bank when the fixed line is used up (generally not more than 60 days). Limit is credit card limit. If your limit is 7000 yuan, it means that the maximum consumption of the card can only be 7000 yuan. If you want to continue spending next month, you must pay off the arrears of the month.