透支贷款 meaning in English

overdraft facility

Now , lenders are struggling to retrieve their advances but many defaulters are reluctant to pay because they believe their debts will be written off if they hold out long enough
现在，借款公司在想尽办法收回透支贷款，但是很多逾期者根本不愿偿还，因为他们相信只要长期撑下去，他们的债务就会被一笔勾销。
The bank may at its sole discretion and on such terms as the bank shall think fit grant overdraft , loan or other credit facilities or accommodation to the customer with or without limitation and with or without security
本行可按其绝对酌情权及按其认为适合之条款，亦不论有否限额或抵押，向客户提供透支贷款或其他信贷便利或融通。