Overdraft, a word that has never been loved by Chinese people, is often used as a derogatory term, such as emotional overdraft and youth overdraft. In short, overdraft means abuse and waste, but the original intention of overdraft is the whole spirit of credit card: spend first, then repay. This concept is increasingly accepted by white-collar workers. When they are short of money, they buy their beloved new clothes on holiday specials through overdraft.

They are nicknamed "negative-rich people", which means that superficial wealth is actually bought at the expense of credit card deficit, but if white-collar women can use their brains, you can get unexpected surprises from overdraft consumption and learn to overdraw wisely.

1 has a limit, and every bank's credit card has a limit. For example, I know that the credit card limit of China Merchants Bank is 5000, but you can apply for a temporary increase in the limit, and there will be a corresponding increase in holidays.

You don't need to save money if your credit card is overdrawn. When you apply for a credit card, it is equivalent to having that limited money, so you can use that much. For example, as soon as your card is finished, you can swipe it directly.

It began to charge interest before time, and it seems that its credit will be affected, but it has a minimum repayment amount for each period. You can certainly afford it, but you can't pay in full. Please pay that back first.

When you apply for a credit card, it depends on what kind of card you are applying for. Different cards have different users, some need mortgage, and some don't. You can ask the bank about this.