The credit limit is your maximum stealing limit, but this is not your cash withdrawal limit~ It means that you can swipe 3,000 with your card. When you check out for consumption, it will be the overdraft money, but when you arrive At the ATM, the amount of money to be withdrawn is not this amount~~~ It cannot reach 3,000 yuan~ and it must be paid back before the interest-free date after the withdrawal, otherwise interest charges will be incurred. The interest rate is high. ~Instalment payment will have a minimum monthly repayment amount and a final monthly repayment period. If you exceed the deadline, there will also be bad records that will affect your future loans in the bank. This is a national chain. If you have a record in one bank, all other banks have it! So as a sincere advice, you can use credit cards, but you must abide by the rules. ~Now that the legislation has been enacted, if you take chances, you will suffer. Finished answering.