Experts indicated that the larger the credit card overdraft limit was, the higher the cost and risk would be. Therefore, users should apply for a suitable limit. The higher the overdraft limit is, the greater the cost will be. A financial expert from a bank stated that in terms of actual business conditions, the overdraft upper limit of around 10,000 yuan was relatively common. The reporter also conducted a small-scale survey. The surveyed people generally believed that a limit of 10,000-20,000 yuan would be appropriate. More than 70% of them believed that there were risks in using credit cards.