Credit card overdraft (English: overdraft of creditcard) means that the cardholder can still use the credit card for consumption with the approval of the bank when the funds in the credit card account of the issuing bank are insufficient or no longer available. Credit card overdraft, in essence, is the consumer credit provided by the bank to the cardholder, that is, the cardholder is allowed to spend first when the funds are insufficient, and then the cardholder will make up the funds and pay certain interest according to the regulations.

CreditCard is a non-cash transaction payment method, and it is a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19th century.

Credit cards are divided into credit cards and quasi-credit cards, which can provide settlement services, facilitate shopping and consumption, and enhance the sense of security; Simplify collection procedures and save social labor; Promote commodity sales and stimulate social demand. Credit card is a special card issued by banks or other financial institutions to those with good credit standing, which is used for shopping and spending in designated businesses or depositing and withdrawing cash in designated banking institutions. It is a special credit certificate.