In our daily life, credit card has become the main way for us to pay for consumption. It is the dream of many people to have a credit card with a high credit limit. However, in the process of using credit cards, malicious overdraft sometimes occurs, so what is malicious overdraft?

First of all, we need to know what are the restrictions on the use of credit cards. The use of credit cards has a concept of interest calculation. If we don't pay off our debts before the repayment date, the credit card company will calculate interest on our debts, which is a normal overdraft behavior of credit cards, but if we deliberately exceed the credit card limit, then we call it malicious overdraft.

Secondly, what risks will malicious overdraft bring to us? First of all, we have to bear high interest costs, which will have a serious impact on our economy, especially for those with poor economic conditions, which will lead to financial crisis. Secondly, malicious overdraft may also lead to a decline in our credit score, affecting our future credit records in loans, renting houses, bank accounts and so on.

Finally, how to avoid malicious overdraft? First of all, we should plan the use of credit cards reasonably according to our own ability, and arrange the repayment plan every month to avoid generating high interest after the deadline. Secondly, in the process of consumption, we must be careful not to overspend, let alone spend more than we can afford, so as to ensure the safe and reliable use of our credit cards.

To sum up, credit cards play an important role in our lives, but malicious overdrafts also occur from time to time. In order to ensure our good credit and avoid the risk of malicious overdraft, we need to consciously control our consumption and form the habit of reasonable consumption. Only in this way can we enjoy the convenience brought by credit cards and avoid unnecessary economic risks.