> In real life when you hit your card's limit, your transactions get declined. Straight away. Except for when it doesn't. I've got two primary current accounts

> In real life when you hit your card's limit, your transactions get declined. Straight away. Except for when it doesn't. I've got two primary current accounts, one with a "legacy" bank in the UK and one with a modern bank. The legacy bank is happy to let me go into an unplanned overdraft, and charge me for the privilege of doing so.