Credit card overdraft consumption should be mainly based on credit cards. Carefully withdraw cash by credit card, and repay it on time after withdrawal. For overdraft withdrawal, the bank charges interest at the daily interest rate of 0.5%, and if the user fails to repay the loan for one month, the bank can also calculate compound interest.

It is appropriate to apply for a credit card overdraft limit. It is suggested that the cardholder's credit card overdraft limit is limited to his two-month income.

Note that there is a clause of "full penalty interest" in the "credit card collection contract". If the cardholder only pays back the whole number when returning the credit card, there will be a lot of penalty interest because the amount of "a few cents" is very small, because most banks stipulate that if overdue debts occur, the penalty interest will be calculated according to the total overdraft.

Credit card overdraft consumption should use interest-free period skillfully. At present, the interest-free period of credit cards in banks is between 20 days and 50 days. Consumers should pay attention to the bank's billing date and repayment date and calculate their credit card repayment time before credit card overdraft consumption.