The overdraft limit of a new credit card mainly depends on the amount in the card, so how much can it cost. If the credit card limit is 20,000, the overdraft limit is 20,000, but the credit card just started is generally low.

If users want to apply for a higher credit card, they can provide more financial information when applying for a credit card, so that even if the credit card limit is not high at the beginning, they can gradually increase the credit card limit at the later stage.