The normal overdraft limit is the credit card limit, which means that you can overdraw 5000 yuan. In addition, there is an invisible limit, excess consumption. The excess consumption of Guangfa Bank is 00% of the 65438+ limit, that is, 500, so with this excess, you can overdraw 5500 in total, but it is best not to use this excess, because it will lead to higher handling fees and uneconomical.