For credit cards, it is allowed to "consume first, then repay", and overdraft is an important feature. For debit cards, it should be "deposit first, then spend", but on the premise that it is recognized as goodwill overdraft and repayment is guaranteed, the cardholder is also allowed to overdraw an appropriate amount in a short time when the money is urgently needed.
Extended data
Each cardholder must pay attention to the following matters when handling the card:
Open SMS
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.
Handle the automatic repayment function of bank associated account.
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 integrity being affected.
Bank customer service telephone number
In order to avoid the risk of card use caused by the failure to provide information when the bank needs emergency services, the card issuing bank should be informed in time when the information changes, so as to avoid unnecessary trouble or even card use risk caused by the failure to provide card issuing information when the credit card is reported lost or other emergency services are needed.
Baidu encyclopedia-credit card overdraft