China Construction Bank's credit card overdraft means that when the cardholder's credit card consumption exceeds the credit limit or fails to repay the previous arrears, the bank will provide the cardholder with a certain amount of credit for overdraft. The overdraft limit is generally determined by the bank according to the credit status and consumption records of the cardholder, and the cardholder can use the credit card to spend within the overdraft limit.

However, it should be noted that overdraft is a kind of borrowing behavior on a credit card, and the cardholder needs to bear the corresponding interest and handling fee. Interest is generally calculated at the daily interest rate. If the cardholder fails to repay the overdraft for a long time, the accumulation of interest and handling fee will make the cardholder bear heavy repayment pressure.

Therefore, it is suggested that cardholders should be cautious when using credit cards, and try not to exceed the credit limit and overdraft limit to avoid getting into debt trouble. If you really need to overdraw, you should also plan your repayment plan in advance to ensure that you can pay off your debts on time and avoid overdraft becoming a source of debt. At the same time, we should always pay attention to account changes and repay in time to avoid the adverse effects caused by overdue repayment.