50% of the overdraft limit, that is, the credit card limit is 1000, so the maximum overdraft can be 500. Overdraft limit generally refers to the maximum amount that a credit card can overdraw. The overdraft limit is related to the credit of the cardholder. The stronger the repayment ability, the higher the credit and the higher the overdraft limit. For example, two people with the same monthly income of 3000 yuan, one works in the municipal government and the other runs marketing in the company. If they apply for cards at the same time, the credit limit of civil servants is often higher than that of employees in that company from the beginning, because the work and income of civil servants are extremely stable.

For ordinary (credit card) cards, the initial overdraft limit is generally 5000-8000 yuan, which is the consumption limit. If you withdraw cash, it is generally 2000 yuan. If you use it frequently and repay it in full and on time before the final repayment date, your credit limit will increase rapidly, usually once every six months.