With the man’s consent, it is not illegal or criminal for the woman to overdraw the man’s credit card.

If the man's credit card is stolen and then overdrafted without the man's consent, it is theft, and the amount is relatively large (generally more than 2,000 yuan), which constitutes the crime of theft. If the credit card information is stolen and the overdraft is used through computers or mobile phones, and the amount is more than 5,000 yuan, it is suspected of constituting the crime of credit card fraud.