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Taobao bought a mobile phone, saying that the credit card balance was insufficient.
the credit card overdraft cannot exceed the credit card limit. If the credit card limit is insufficient, the credit card balance will be insufficient.

credit card limit:

credit card limit, also known as credit card credit card limit, refers to the maximum amount of credit card that can be used, which includes credit card limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.

the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.