It belongs to the personal credit business of banks. Credit card overdraft belongs to the personal credit business of banks. A credit card is a bank card that can be overdrawn. Cardholders can spend first and then repay within the credit limit and enjoy a certain interest-free period. Cardholders use credit cards to overdraw consumption, which is actually borrowing money from banks. The bank will give a certain credit line according to the credit status and income of the cardholder, and charge interest at the agreed interest rate.