The Zhejiang Agricultural Bank of China’s Harvest Credit Card’s car loan repayment display shows an overdraft, indicating that it has been overdrawn. If the car loan credit card is overdrafted by the guarantee company, the customer can first go to the bank to verify the situation and see how much the guarantee company has overdrafted. The limit of the car loan credit card is used to pay for the car purchase. If the guarantee company maliciously overdrafts, the customer can sue the other party and protect his or her rights through legal channels.