By the way, if I spent 18 thousand on my credit card last month, will it be ok next month, for example
Overdraft begins to bear interest from the day you spend it, and every day, the interest rolls! You can also repay the loan in installments, with a maximum of 12 months, and you have to bear certain interest every month.
If you default, your credit rating will be affected, and no bank will lend you money in the future.