The method of calculating the statute of limitations for credit card overdraft is that the repayment date after the credit card overdraft is one month, and the statute of limitations is two years.

According to Article 135 of the "General Principles of the Civil Law", the statute of limitations for petitioning the People's Court for protection of civil rights is two years, unless otherwise provided by law.

Article 136, the following statute of limitations is one year:

(1) Those who suffer physical injuries and demand compensation;

(2) ) Selling goods with substandard quality without declaration;

(3) Delay or refusal to pay rent;

(4) Stored property being lost or damaged.