Generally, a credit card can be overdrafted at 40%-50% of the maximum limit;

If you overdraft, you will have to pay a 1% handling fee, and the interest will be charged according to the "Bank Card Business Management Measures" of the Central Bank. The interest is 0.05% per day, which is 1.52% monthly interest and 18.25% annual interest.

Normal consumption by credit card has an interest-free period of 20-50 days.