Overdrafting a credit card is a breach of contract and can cause many negative consequences. Here are some things you should pay attention to:

1. Penalties and interest: Overdraft on a credit card requires high penalties and interest. The longer the overdraft period is, the more penalties and interest you will pay.

2. Credit record: Overdraft on a credit card will affect your credit record and lower your credit rating, thereby affecting the approval rate of your future loan applications.

3. Collection: If a credit card overdraft is not repaid, the bank will entrust a collection company to collect the debt. The collection company will use various means to recover the overdraft amount, which may cause a lot of annoyance and unnecessary trouble.

4. Legal liability: If the overdraft credit card amount is too large, the bank may initiate legal proceedings, and you may have to face prosecution and legal liability, resulting in additional economic losses or even great damage to your personal credit. influence.

If you have overdrawn your credit card but are unable to repay it, you can negotiate with the bank to defer the repayment or apply for installment payment to reduce financial pressure and legal risks. At the same time, you can also check your personal credit report to understand your credit status and the impact of overdraft credit cards on your personal credit record. Online loan big data is a third-party credit inquiry system for lending institutions. It uses big data technology to integrate the loan records of various online loan platforms. You can clearly understand the problems in your online loan big data in "Kingfisher Data", query accurately and completely, and solve the problems in online loan big data in a timely manner.