{"id":3376,"date":"2025-07-16T12:00:46","date_gmt":"2025-07-16T09:00:46","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3376"},"modified":"2025-07-17T10:04:57","modified_gmt":"2025-07-17T07:04:57","slug":"ce-este-overdraft-ul-si-cum-functioneaza-pe-un-card-de-credit","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/ce-este-overdraft-ul-si-cum-functioneaza-pe-un-card-de-credit\/","title":{"rendered":"Ce este overdraft-ul \u0219i cum func\u021bioneaz\u0103 pe un card de credit"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><b>Overdraft este un tip de credit pe termen scurt, asociat contului t\u0103u curent sau cardului de credit, care \u00ee\u021bi permite s\u0103 cheltuie\u0219ti mai mult dec\u00e2t ai disponibil \u00een acel moment. De\u0219i pare o solu\u021bie rapid\u0103 pentru perioadele dificile, overdraft-ul vine la pachet cu costuri \u0219i riscuri importante pe care trebuie s\u0103 le \u00een\u021belegi \u00eenainte de a-l folosi.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen acest articol explic\u0103m ce \u00eenseamn\u0103 overdraft, cum func\u021bioneaz\u0103 pe un card bancar, ce comisioane implic\u0103 \u0219i cum poate influen\u021ba scorul t\u0103u de credit. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 ai un card activ \u0219i nu e\u0219ti sigur dac\u0103 ai sau nu overdraft, e momentul s\u0103 cite\u0219ti mai departe.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce este overdraft-ul<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Overdraft-ul este un credit preaprobat, oferit de banc\u0103, care \u00ee\u021bi permite s\u0103 retragi sau s\u0103 pl\u0103te\u0219ti sume ce dep\u0103\u0219esc soldul contului t\u0103u curent. Practic, atunci c\u00e2nd contul ajunge la zero, intri automat \u00een \u201edescoperit de cont\u201d, p\u00e2n\u0103 la o limit\u0103 stabilit\u0103 de banc\u0103. Aceast\u0103 sum\u0103 devine disponibil\u0103 imediat, f\u0103r\u0103 formalit\u0103\u021bi suplimentare, dar cu dob\u00e2nd\u0103 aplicat\u0103 din prima zi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Exist\u0103 2 tipuri principale de overdraft:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Overdraft autorizat <\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Suma \u0219i condi\u021biile sunt negociate cu banca; este trecut clar \u00een contractul de cont curent sau card;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Overdraft neautorizat<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Apare atunci c\u00e2nd cheltuie\u0219ti mai mult dec\u00e2t soldul disponibil, f\u0103r\u0103 o aprobare prealabil\u0103; implic\u0103 dob\u00e2nzi \u0219i comisioane mai mari.<\/span><\/li>\n<\/ol>\n<p><b>Important de re\u021binut: <a href=\"https:\/\/www.conso.ro\/banchereza\/decalogul-overdraftului-descoperitului-de-cont\"><span style=\"color: var(--awb-color5);\">overdraft-ul nu este acela\u0219i lucru<\/span><\/a><\/b><span style=\"font-weight: 400;\"> cu un card de credit. La cardul de credit ai, de obicei, o perioad\u0103 de gra\u021bie f\u0103r\u0103 dob\u00e2nd\u0103; la overdraft, dob\u00e2nda \u00eencepe s\u0103 curg\u0103 imediat ce intri \u00een sum\u0103 negativ\u0103.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum func\u021bioneaz\u0103 overdraft-ul pe cardul de credit sau debit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Overdraft-ul func\u021bioneaz\u0103 ca o rezerv\u0103 financiar\u0103 pe care o accesezi automat atunci c\u00e2nd soldul contului t\u0103u este insuficient. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">De obicei, este asociat unui card de debit, dar poate exista \u0219i \u00een combina\u021bie cu un <\/span><b>card de credit cu func\u021bionalitate mixt\u0103<\/b><span style=\"font-weight: 400;\"> (mai rar \u00eent\u00e2lnit).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cum se activeaz\u0103:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Odat\u0103 ce banca \u00ee\u021bi aprob\u0103 limita de overdraft (\u00een func\u021bie de venitul t\u0103u sau comportamentul financiar), suma devine vizibil\u0103 ca sold disponibil. Nu trebuie s\u0103 faci nimic special. Atunci c\u00e2nd cheltuie\u0219ti mai mult dec\u00e2t ai, diferen\u021ba e acoperit\u0103 automat din overdraft.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ce trebuie s\u0103 \u0219tii despre func\u021bionare:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dob\u00e2nda se aplic\u0103 din prima zi pentru orice sum\u0103 utilizat\u0103;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nu exist\u0103 perioad\u0103 de gra\u021bie ca \u00een cazul cardurilor de credit;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rambursarea se face automat, din orice sum\u0103 nou intrat\u0103 \u00een cont (ex: salariul);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 nu aduci suficien\u021bi bani \u00een cont, banca poate considera overdraft-ul restant \u0219i te poate raporta la Biroul de Credit.<\/span><\/li>\n<\/ul>\n<p><b>Exemplu concret:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Ai 0 lei \u00een cont \u0219i pl\u0103te\u0219ti la supermarket 200 lei. Dac\u0103 ai overdraft autorizat, plata se face f\u0103r\u0103 probleme, iar banca \u00ee\u021bi va percepe dob\u00e2nd\u0103 pe acei 200 lei p\u00e2n\u0103 c\u00e2nd returnezi suma \u00een cont. Dac\u0103 salariul t\u0103u intr\u0103 c\u00e2teva zile mai t\u00e2rziu, acoper\u0103 automat suma \u0219i dob\u00e2nda acumulat\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru simul\u0103ri mai detaliate \u0219i sfaturi de utilizare responsabil\u0103, vezi \u0219i recomand\u0103rile de pe <\/span><b><a href=\"https:\/\/banometru.ro\/articol\/cum-sa-folosesti-overdraft-ul-ca-sa-ti-sustina-obiectivul-financiar\"><span style=\"color: var(--awb-color5);\">Banometru.ro<\/span><\/a><span style=\"color: var(--awb-color5);\">.<\/span><\/b><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Costuri \u0219i comisioane asociate<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">De\u0219i pare tentant pentru situa\u021bii de urgen\u021b\u0103, overdraft-ul vine cu costuri destul de ridicate:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dob\u00e2nda anual\u0103 efectiv\u0103 (DAE) este adesea \u00eentre 10% \u0219i 20%, \u00een func\u021bie de banc\u0103;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nu exist\u0103 perioad\u0103 f\u0103r\u0103 dob\u00e2nd\u0103, fiecare zi \u00een care ai sold negativ aduce costuri suplimentare;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unele b\u0103nci percep taxe fixe de acordare sau administrare, indiferent dac\u0103 folose\u0219ti sau nu overdraft-ul;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 dep\u0103\u0219e\u0219ti limita agreat\u0103 sau \u00eent\u00e2rzii rambursarea, ai penaliz\u0103ri.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Verific\u0103 \u00eentotdeauna contractul de cont sau de card \u0219i cite\u0219te cu aten\u021bie toate clauzele legate de overdraft. De multe ori, costurile reale nu sunt evidente la prima vedere.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum afecteaz\u0103 overdraft-ul scorul de credit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Chiar dac\u0103 overdraft-ul este considerat un produs financiar de mic\u0103 amploare, modul \u00een care \u00eel folose\u0219ti poate influen\u021ba scorul t\u0103u de credit \u00een bine sau \u00een r\u0103u.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Uite cum se poate reflecta \u00een istoricul t\u0103u bancar:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Utilizarea frecvent\u0103 a overdraft-ului p\u00e2n\u0103 la limita maxim\u0103 poate indica o dependen\u021b\u0103 de credit, ceea ce poate fi interpretat negativ de alte b\u0103nci.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Neplata la timp sau men\u021binerea constant\u0103 a soldului negativ pot duce la raport\u0103ri c\u0103tre Biroul de Credit, exact ca \u00een cazul unui credit clasic.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u0103ncile iau \u00een considerare existen\u021ba unui overdraft atunci c\u00e2nd analizeaz\u0103 cererile tale pentru alte produse financiare (credit ipotecar, card de credit, refinan\u021bare). Chiar dac\u0103 nu \u00eel folose\u0219ti, limita de overdraft este tratat\u0103 ca o linie de credit activ\u0103.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dac\u0103 overdraft-ul este gestionat corect (f\u0103r\u0103 \u00eent\u00e2rzieri, cu rambursare rapid\u0103), poate contribui pozitiv la istoricul t\u0103u de credit.<\/span><\/li>\n<\/ul>\n<p><b>Pe scurt:<\/b><span style=\"font-weight: 400;\"> overdraft-ul nu este invizibil \u00een ochii sistemului bancar. \u00cel ai? E\u0219ti responsabil pentru el ca pentru orice alt \u00eemprumut.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Avantajele \u0219i dezavantajele unui overdraft<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Folosirea overdraft-ului vine cu o serie de beneficii, dar \u0219i riscuri reale. Le-am pus fa\u021b\u0103 \u00een fa\u021b\u0103, ca s\u0103 iei o decizie \u00een cuno\u0219tin\u021b\u0103 de cauz\u0103:<\/span><\/p>\n<p><b>Avantaje:<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acces rapid la bani, f\u0103r\u0103 dosare \u0219i aprob\u0103ri repetate;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibilitate \u00een cheltuieli de urgen\u021b\u0103 (repara\u021bii, restan\u021be, etc.);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rambursare automat\u0103 la urm\u0103toarea \u00eencasare (ex: salariu);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Po\u021bi acoperi temporar facturi sau pl\u0103\u021bi importante f\u0103r\u0103 a bloca alte planuri financiare.<\/span><\/li>\n<\/ul>\n<p><b>Dezavantaje:<\/b><b><br \/>\n<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dob\u00e2nzi mari (comparativ cu alte tipuri de credite);<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lipsa perioadei de gra\u021bie \u2013 pl\u0103te\u0219ti dob\u00e2nd\u0103 din prima zi;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risc de dependen\u021b\u0103: poate deveni o \u201esolu\u021bie permanent\u0103\u201d \u0219i greu de ie\u0219it din ea;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Poate afecta scorul de credit dac\u0103 nu e gestionat responsabil.<\/span><\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Overdraft-ul poate fi un instrument util \u00een situa\u021bii de urgen\u021b\u0103, dar trebuie tratat cu aceea\u0219i responsabilitate ca orice alt credit. Folosit ocazional \u0219i rambursat rapid, \u00ee\u021bi ofer\u0103 flexibilitate financiar\u0103. Dar, dac\u0103 devine un obicei lunar, poate duce la costuri mari \u0219i la un impact negativ asupra scorului de credit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru mul\u021bi, overdraft-ul pare o solu\u021bie simpl\u0103, dar \u00een realitate, ascunde riscuri pe care doar un plan financiar solid le poate acoperi. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 sim\u021bi c\u0103 te bazezi tot mai des pe astfel de instrumente sau dac\u0103 vrei o alternativ\u0103 mai stabil\u0103, <\/span><a href=\"https:\/\/123credit.ro\/contact\"><span style=\"color: var(--awb-color5);\"><b>speciali\u0219tii 123Credit<\/b><\/span><\/a><span style=\"font-weight: 400;\"> \u00ee\u021bi pot recomanda op\u021biuni mai potrivite nevoilor tale, fie c\u0103 vorbim de refinan\u021bare, restructurare sau un credit adaptat bugetului t\u0103u.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>1. Ce sum\u0103 pot primi prin overdraft?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Limita de overdraft este stabilit\u0103 de banc\u0103 \u00een func\u021bie de venitul t\u0103u lunar, istoricul de creditare \u0219i gradul de \u00eendatorare. De obicei, variaz\u0103 \u00eentre 1 \u0219i 6 salarii nete lunare.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. Pot avea overdraft \u0219i pe cardul de credit?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen general, overdraft-ul este legat de conturile curente \u0219i cardurile de debit. Exist\u0103 \u00eens\u0103 unele carduri hibride sau facilit\u0103\u021bi adi\u021bionale care pot func\u021biona similar pe un card de credit, dar sunt mai rar \u00eent\u00e2lnite.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. Cum verific dac\u0103 am activat overdraft-ul?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Po\u021bi verifica direct \u00een aplica\u021bia de internet banking sau contact\u00e2nd banca. Dac\u0103 ai limit\u0103 de overdraft activ\u0103, va ap\u0103rea ca sum\u0103 disponibil\u0103 suplimentar\u0103 fa\u021b\u0103 de soldul real<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>4. Pot renun\u021ba la overdraft dac\u0103 nu-l mai vreau?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da, po\u021bi solicita oric\u00e2nd \u00eenchiderea facilit\u0103\u021bii de overdraft, cu condi\u021bia s\u0103 nu ai sold negativ la acel moment. Banca va actualiza contractul \u0219i limita de credit.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>5. Overdraft-ul poate fi considerat o datorie?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da. Din perspectiva bancar\u0103, overdraft-ul este o linie de credit, iar suma utilizat\u0103 devine o datorie care genereaz\u0103 dob\u00e2nd\u0103. Este inclus\u0103 \u00een calculul gradului t\u0103u de \u00eendatorare.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-easycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"216\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim-200x56.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-exim.png 216w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-otp.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":10,"featured_media":3377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[225],"tags":[],"class_list":["post-3376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stiri"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ce este overdraft-ul \u0219i cum func\u021bioneaz\u0103 pe un card de credit - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Overdraft: ce \u00eenseamn\u0103, cum func\u021bioneaz\u0103 pe cardul de credit sau debit, ce costuri implic\u0103 \u0219i cum \u00ee\u021bi poate influen\u021ba scorul de credit. 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