After the applied for credit card is approved, the bank will grant a credit limit within which the cardholder can make overdrafts, such as swiping the card for consumption, or overdraft cash withdrawals. However, the maximum overdraft limit available is also different depending on the overdraft consumption method. So, if your credit card limit is 3,000 yuan, what is the maximum overdraft you can have? Let’s find out together below.

How much can be overdrafted with a credit card limit of 3,000 yuan can be summarized as follows: 1. If it is a card payment, the upper limit of the overdraft limit is the entire available limit. For example, a limit of 3,000 yuan can be overdrafted up to 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 3,00300=3,300 yuan. 2. If you use a credit card to withdraw cash overdraft, the maximum withdrawal limit is only 50% of the credit limit. That is to say, the maximum withdrawal limit of 3,000 yuan can only be 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. 3. The total limit of each credit card is the maximum amount of card consumption and cash overdraft. For example, for a card with a total limit of 3,000 yuan, the maximum amount of card consumption and general cash payment cannot exceed 3,000 yuan. If you spend 2,000 yuan, you can withdraw up to 1,000 yuan in cash. Yuan; and if it is an overdraft of 3,000 Yuan to withdraw cash, then you can no longer use the card to make purchases. 4. Although the conventional credit card overdraft limit is 3,000 yuan, it may not be possible to use all the money every day. This mainly depends on the single-day overdraft limit stipulated by the card issuer and the single-day credit limit set by the cardholder. limit. For example, if the cardholder sets a single-day transaction limit of 2,000 yuan, he or she can only make overdraft purchases or withdraw cash of 2,000 yuan per day. The above is the relevant introduction of "How much overdraft can be achieved with a credit card limit of 3,000", I hope it will be helpful to everyone. All in all, the amount of overdraft that can be achieved with a credit card is mainly determined by the credit limit. The higher the credit limit, the greater the amount that can be overdrafted.