The loan allows you to spend the usual monthly salary right today. After receiving a salary, it is necessary, a surprise, to put it on a credit card and go out to zero, and then spend it in shops exactly the same way as you would spend it with a salary card or cash. Repeat the procedure every month. Thus, you have one super-planned salary - on the day of issuing the credit card."

And in the month when your overdraft contract expires, you are left without a salary at all because you have already eaten it. They swim, we know.