After an overdraft of 5000 yuan, you can continue to use it regardless of repayment or not. However, if it is not returned for three consecutive months, it will be regarded as malicious overdraft and the card will be frozen. Then the bank will get the money back. If you can't recover it, you will be investigated for legal responsibility, that is, you will be sent to prison.

After an overdraft of 5,000 yuan, the minimum repayment amount will be paid every month, and the remaining amount can be used normally. For the minimum repayment, the bank will send you a letter every month. You can also go to online banking or call the service number yourself.

As for the minimum monthly amount, what is the formula? Different banks have different algorithms. Even for different cards of the same bank, the algorithm will be different. It is recommended that you call the service phone directly for consultation.

How to avoid becoming a card slave when swiping a card is very simple. You must be able to pay off all the cards you swiped that month. In other words, the total amount of credit card repayment, plus installment payment and monthly repayment amount, is within your repayment ability (except for your monthly expenses, you still have enough money to change credit card money, leaving room for adjustment).