A malicious overdraft on a credit card refers to the cardholder's behavior of intentionally overdrafting the credit card beyond his or her ability, resulting in the inability to repay the loan on time.

This behavior not only violates the rules for using credit cards, but will also lead to various negative impacts such as anonymous credit, lowered credit ratings, and financial difficulties for cardholders. At the same time, banks will also impose penalty measures such as penalty interest and late payment fees on malicious overdrafts. In serious cases, they will even take legal measures to recover arrears.