How much Ping An Credit Card can overdraw depends on the credit limit of the cardholder. Generally, the overdraft limit of ordinary cards and gold cards is below 50,000 yuan, and that of platinum cards is above 1 10,000 yuan. The specific overdraft limit is subject to the actual approval.

The credit card limit is finally issued by the system based on the comprehensive evaluation of various information provided by customers, and there will be many reference factors, such as the customer's work nature, education, income, personal stability, personal social credit, the use of other financial products, etc., so the final approved limit may be different from the cardholder's expectation. Generally, according to the credit card quota approval rules, the credit card with low grade has low initial quota, and the credit card with high grade has high initial quota.