透支

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Character Breakdown

Meaning and Usage

The term "透支" (tòuzhī) primarily means to overdraw, especially in financial contexts such as credit cards or bank accounts. It refers to spending beyond the available balance or credit limit.

Common Contexts

  1. Financial Overdraft: Most commonly used when someone spends more money than they have in their bank account or credit card limit.
  2. Figurative Use: It can also be used metaphorically to describe overusing or exhausting resources, such as physical strength or energy.

Collocations and Patterns

  • 透支信用卡 (overdraw credit card): used when credit card limit is exceeded.
  • 透支资金 (overdraw funds): often used in business or company finance.
  • 透支体力 (overdraw physical strength): figurative use about exhausting one's energy.

Usage Notes

When using 透支 in financial contexts, it often implies a negative consequence, such as fees, account freezing, or financial trouble. In figurative use, it warns against overexertion. Avoid confusing 透支 with simple spending; 透支 specifically means exceeding a limit.

Tone and Register

The word is neutral and commonly used in both spoken and written Chinese, especially in financial or health-related discussions.

Example Sentences

He overdrew his credit card, causing his account to be frozen by the bank.

The company is facing a serious financial crisis due to overdrawing funds.

Don't easily overdraw your physical strength; health is the most important.