The credit limit in the personal credit report refers to the credit limit in the credit card handled by the individual. Credit line, also known as "credit line", refers to a certain amount of credit line granted by a bank to its basic customers, that is, so much money can be recycled within a specified time.

The overdraft balance in the personal credit report refers to the credit line that the individual has used. Overdraft limit generally refers to the maximum amount that a credit card can overdraw. For ordinary credit cards, the overdraft limit is generally 5000-8000 yuan, which is the consumption limit.

The credit limit and overdraft balance in the personal credit report are the records of personal credit. As long as there is no malicious default, it will not affect the loan.

Personal credit report is a document that comprehensively records personal credit activities and reflects personal credit status, and it is the basic product of personal credit information basic database. In order to make the structure clear, the content of the credit report is divided into multiple parts according to different information categories, each part is a segment, and each segment is further divided into multiple sub-segments. Personal credit report consists of the name and content of the credit report. The contents of the credit report include the header of the credit report, the theme of the credit report and the description of the credit report.