Generally speaking, only credit cards (also called credit cards) can be overdrawn. Explain that you are using a credit card to spend or withdraw the current amount you use, which exceeds the credit limit given to you by the bank. You don't need to deposit money in the credit card in advance. The bank will give you a certain amount in advance and return it to the bank within a certain period of time after use. For example, if you open a bank credit card, the bank will give you a line of 10000 yuan. You don't need to deposit money in this card. There will naturally be 10000 yuan in this card, which will be returned after use, just like a loan. If you spend 100 100 yuan on shopping, then your credit card is overdrawn, that is, it exceeds the credit limit.
Matters needing attention in bank credit card overdraft
(1) Enable instant messaging. When using the traditional function of credit card to consume first and then repay during the credit limit and interest-free period, we must pay attention to whether the function of SMS timely notification is enabled, so as to keep abreast of the consumption trends of bank card accounts.
(2) Handle the automatic repayment function of bank-related accounts. When using credit card credit limit to overdraw consumption, you must pay attention to the due date of repayment, and try to use the automatic repayment function of bank related accounts to avoid personal credit information being affected.
(3) Keep in mind the customer service phone number of the issuing bank, so as to avoid the risk of card use due to failure to provide information when the bank needs emergency services, and notify the issuing bank in time when the information changes, so as to avoid unnecessary trouble or even card use risk when the card is lost or other emergency services are needed.