In fact, every bank will give its credit card to the cardholder, and the overdraft limit beyond the limit is generally not too high. It will not exceed 1% of the fixed amount. Mainly because the cardholder uses the card well. The bank has an overdraft for you to use. However, if the overdraft limit is used, it is best to pay it back soon. Don't wait until the bill comes out. If the bill overdraws the limit many times, it will affect your credit. It is not recommended to use the overdraft limit for a long time.