1. Credit card overdraft is a short-term overdraft granted by the credit card issuer to the cardholder within the prescribed limit when shopping with the card. For credit cards, it is allowed to "consume first, then repay", and overdraft is an important feature. For debit cards, it should be "deposit first, then spend", but on the premise that it is recognized as goodwill overdraft and repayment is guaranteed, the cardholder is also allowed to overdraw an appropriate amount in a short time when the money is urgently needed. Overdraft interest is generally much higher than bank loans in the same period, and card issuers also have a set of measures to prevent and recover overdraft risk losses.

2. Overdraft of goodwill must meet the following two basic conditions:

(1) is within the limit stipulated in the credit card articles of association of the issuing bank or authorized by the issuing bank. According to the relevant provisions of the credit card regulations of major domestic commercial banks, according to different types of credit cards, the overdraft limit is generally 1 1,000 yuan, 5,000 yuan and 1 1,000 yuan. The overdraft limit of credit cards issued by commercial banks in China is much lower than that of western developed countries, and the credit function of credit cards is not strong, which is related to the underdeveloped personal credit system in China and is also the last means for commercial banks to avoid the risk of malicious overdraft.

(2) Return the principal and interest within the specified time. China's commercial banks stipulate that the term of repayment of principal and interest is 1 month. Credit card overdraft in good faith is essentially that the cardholder borrows money from the issuing bank, and the issuing bank provides credit services to the cardholder, which is a legal act and naturally does not constitute a crime.