Reasonable overdraft control within the repayment ability is called reasonable advance, no problem. One is convenience, and the other is that you can exchange cash for a month's financial management cycle.

The overdraft you mentioned doesn't feel very good. It belongs to weak self-control, uncontrollable consumption desire, and even handling credit cards just to cash out and defraud the bank of cash. This kind of bad overdraft will only get bigger and bigger, and in the end, you will either go to jail or flee in a hurry, or borrow money to pay off your debts, which is a vicious circle.