Credit card overdraft has two meanings, one is to overdraw consumption or cash with credit card. Overdraft in this context means that cardholders can use credit cards to spend or withdraw cash without saving money, which is equivalent to borrowing money from banks. Another meaning of overdraft is that the consumption amount of credit card exceeds the credit limit of cardholder, commonly known as "overdraft". This situation is not encouraged by banks, and some banks will charge cardholders who have maxed out their credit cards for exceeding the limit.