For credit card overdrafts, if it is a card payment, the upper limit of the overdraft limit is the entire available limit. For example, if the limit is 3,000 yuan, the maximum overdraft limit is 3,000 yuan. This is under normal circumstances.

But there is also a special situation, that is, some banks will give credit cards an over-limit limit, which is usually 10 of the credit limit. The limit is 3,000 yuan, which is 300 yuan. Then the maximum overdraft limit is 3,000 300 =3300 yuan.

If you use a credit card to withdraw cash overdraft, the maximum cash withdrawal limit is only 50 of the credit limit, which means that for a 3,000 limit, you can only withdraw up to 1,500 yuan. However, it should be noted that you need to repay after withdrawing cash, and some banks may let you repay in full and will not let you enjoy the minimum repayment treatment.