Chinese word

透支

Pronunciation

Pinyintòu zhī

Meaning

  • verboverdraw

Example

月底前我把钱花完，结果透支了。yuè dǐ qián wǒ bǎ qián huā wán jié guǒ tòu zhī le

I spent all my money before the end of the month and ended up overdrawn.

Illustration for 透支 (overdraw)

More examples

他在信用卡上透支后，银行开始收取透支费。tā zài xìn yòng kǎ shàng tòu zhī hòu yín háng kāi shǐ shōu qǔ tòu zhī fèi

After he overdrew on his credit card, the bank began charging an overdraft fee.

Core concept

Spending crosses the account's available balance, leaving a negative amount to repay.

Common phrases

  • 信用卡透支xìn yòng kǎ tòu zhī

    overdraw a credit card

  • 账户透支zhàng hù tòu zhī

    overdraw an account

Similar words

借款jiè kuǎn: Borrow funds from an outside person or organization for later repayment.
贷款dài kuǎn: Borrow funds from a bank or other financial institution for later repayment.
赊账shē zhàng: Take goods or services now while arranging to pay the bill later.
欠款qiàn kuǎn: Have a payment still owed because it has not been made.

Definition in Chinese

把银行账户或储蓄卡里的钱花或取出超过余额，导致账户出现透支或欠款，通常会产生利息或手续费。bǎ yín háng zhàng hù huò chǔ xù kǎ lǐ de qián huā huò qǔ chū chāo guò yú é dǎo zhì zhàng hù chū xiàn tòu zhī huò qiàn kuǎn tōng cháng huì chǎn shēng lì xī huò shǒu xù fèi

Word origin

The modern financial term 透支 (tòuzhī, "overdraw") combines 透 (tòu, "pass beyond") + 支 (zhī, "pay"), describing payment that goes beyond the funds available.

Usage tips

  • A bank may respond with a fee, interest, or a declined transaction, so the word describes the account position rather than promising that the bank approved it.

Other meanings

  • overdraftnoun
  • overextend oneselfverb

Opposites

Related words

  • 透支费tòu zhī fèioverdraft feenoun
  • 透支利息tòu zhī lì xīoverdraft interestnoun
  • 透支额度tòu zhī é dùoverdraft limitnoun

Word lists with this word