The reason why many people apply for a credit card is the convenience of credit card consumption in advance. However, there are also some people who are unable to overdraft and spend in advance after applying for a card. So what is the reason?

Analysis of the reasons why my credit card cannot be overdrawn

1 It is possible that your application information is not complete enough and the comprehensive score is not up to standard, so the credit card you applied for does not have a limit;

2 If the applicant If you meet the credit card application conditions, but your credit record is not very good, the bank may give you a zero limit during approval. You can save money first and then spend;

3 It is also possible that the personal limit is already zero and your credit limit is zero. The overdraft limit has been used up;

4 During personal consumption. I didn't pay attention to the overdraft limit on my credit card, which resulted in the overdraft limit being negative, so I couldn't continue spending.

Generally, credit cards allow overdraft consumption, but with the strictness of credit reporting, there are basically very few zero-limit credit cards. If the above problems are eliminated, you can consult the card-issuing bank. That’s it for not being able to overdraft your credit card. I hope it’s helpful to everyone.