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Isn’t it okay to have a credit limit of 500 on a Bank of China credit card for four years?

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Credit card malicious overdraft: refers to the cardholder's overdraft exceeding the prescribed limit or prescribed period for the purpose of illegal possession, and the card-issuing bank still fails to return the money for more than 3 months after being called upon twice.

The consequences of malicious credit card overdraft:

1. Producing a bad credit record;

2. Producing late fees and interest;

3. The bank will sue;

4. You will not be able to handle credit business at the bank within 5 years from the date of paying off the debt.