Alipay overdraft consumption is about to be launched, what impact will it have on credit cards? The greater impact will be on college students. At present, most college students do not have credit cards and have not developed the habit of overdraft consumption, but the emergence of Alipay overdraft will lead to this demand for overdraft. After all, there are still many scenarios where college students with insufficient financial resources spend hundreds of yuan on Taobao to buy beautiful clothes or something. But overall, the impact is not big for the time being. Currently, Alipay’s overdraft limit is only 5,000, and the scope of overdraft is limited to Taobao. The limit is small and the scope is narrow, not to mention offline payment, so for the time being, it does not have a great impact on credit cards.