The overdraft limit is 3000. The so-called overdraft, credit card within the limit and cash advance (withdrawal) transactions are all called overdraft-there is no deposit in the credit card recognized by the bank, so you use it first and then pay it back. The withdrawal limit of all credit cards of China Merchants Bank is 50% of the limit, and the maximum quota of 3,000 is 1500, so no more withdrawals can be made, so the ATM says there is insufficient funds. But at the same time, there is still an available quota of about 1500, and that can only be spent on POS.