I almost use my credit card to withdraw money from the ATM. The limit is 2000, and I can only raise 1000 at a time. Overdraft is impossible. What about the overdraft? For example, if you spend money in a shopping mall, you buy a refrigerator of 3,000 yuan and use a credit card of 2,000 yuan, is it an overdraft? Will the bank let me swipe that 1000 more? If I can, then I won't brush the refrigerator with 3000 yuan, and I will brush the TV with 10000 yuan, which is also an overdraft, okay?

A: Cash withdrawal by credit card is also considered as overdraft cash withdrawal, with a quota of 2,000 yuan, and cannot pay for goods of 3,000 yuan. It is even more impossible to brush 1 10,000 yuan of goods. If you exceed the credit card limit of 2000 yuan, you may be able to use a credit card of 2200 yuan to make purchases. This is called credit card overrun, and there is an extra charge. It is suggested that before shopping, if the quota is not enough, apply for a temporary quota and spend by credit card.

2' At present, my card is overdrawn and I haven't returned it, but I just applied for another bank credit card. Does it affect you?

Well, last month, the Bank of Communications said that it would temporarily add 1 0,000 to my credit card, which means 2000+ 1 0,000 = 3,000. However, due to the cash withdrawal problem, my card was originally owed about 1, 200. On June 4th, I wanted to buy a 2200 mobile phone, but I owed 65430 for the 3000 line. So I immediately paid back 400 yuan, enough to buy a mobile phone, and the limit of 3,000 yuan was almost used up ... Who knows, in June 18, the Bank of Communications said that it would transfer my credit card limit back to 2,000 yuan, which made me overdraw more than 900 yuan and urged me to repay. I went to apply for a credit card of China Merchants Bank on June 19, that is.

Answer: Credit card overdraft consumption has an interest-free period. Repayment before the repayment date, or the minimum repayment amount, will not affect the credit, that is, it will not affect the application for another credit card. If the repayment is overdue, it will affect the application for credit card.

3' Is there latest repayment date for overdraft?

Bank of Communications said I was overdrawn, and I said I would pay the bill back next month, but he said no, Nimakeng-Dad. He raised my quota and suddenly lowered it. I have to pay it back at once. Who made the spending plan, including him? Since it is an overdraft, there should be a repayment date at the latest.

A: You can apply for installment payment for overdraft consumption, or you can pay the minimum monthly repayment according to the bill. Overdraft withdrawal can only be paid at the lowest monthly interest rate. If we can't repay together next month, it will be overdue, and there will be late fees and penalty interest, which will form a bad record.

Please give me some suggestions on how to use the card according to my present situation. I am very grateful.

Answer: At present, the credit card limit used by the landlord is relatively small, so it is recommended not to overdraw cash withdrawal as much as possible, and use overdraft credit cards to spend more. Overdraft cash withdrawal is an emergency use. In addition, you should learn to look at the credit card bill, and the minimum repayment inside must be exactly the same, otherwise it will form a bad record. Sometimes a poor 1 minute is also a bad record.

Another suggestion is to bind a bank of communications debit card for automatic repayment, so that you won't forget to repay.