2. Division of overdraft amount:

Civil servant: 5000 yuan-10000 yuan.

Self-employed (chattel mortgage): 10000 -30000 yuan.

Self-employed (real estate mortgage): 20,000-50,000 yuan.

If you withdraw cash, you need a handling fee, and the interest will be a little higher than that of swiping a card. The overdraft limit is based on the overdraft limit of your credit card. If the overdraft amount is 10000, then you can overdraw 10000 yuan. Credit cards on the market now are generally 5 1 day interest-free. But if you withdraw cash, there will be no interest-free statement of 5 1 day.