overdraft
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overdraft
Colloquial short form of 'Dispositionskredit' (overdraft facility). It refers to the option granted by a bank to overdraw a checking account up to an agreed amount.
Ich muss aufpassen, diesen Monat nicht schon wieder in den Dispo zu rutschen.
I have to be careful not to slip into my overdraft again this month.
'Dispo' (overdraft) is a colloquial abbreviation of the word 'Dispositionskredit' (overdraft facility). This term is made up of 'Disposition' (free disposal) and 'Kredit' (credit/loan).
Mein Dispositionskredit bei der Bank beträgt 2000 Euro.
My overdraft facility at the bank is 2,000 euros.
The word 'Dispo' (overdraft) is used almost exclusively in everyday spoken language. In formal or written contexts, such as bank documents, the full form 'Dispositionskredit' (overdraft facility) is used.
Kannst du mir Geld leihen? Ich bin schon wieder im Dispo.
Can you lend me some money? I'm in my overdraft again.
Common phrases are 'im Dispo sein' (to be in overdraft / one's account is overdrawn), 'in den Dispo rutschen' (to slip into overdraft / start overdrawing the account), and 'den Dispo nutzen' (to use the overdraft).
Ich versuche, bis zum Ende des Monats nicht in den Dispo zu rutschen.
I'm trying not to slip into my overdraft before the end of the month.
loan / credit
'der Kredit' and 'der Dispo' can both refer to a credit line at the bank. 'Kredit' is the general and neutral term. It can mean a fixed amount of money or also the option to overdraw an account. 'Dispo' is the colloquial short form of 'Dispositionskredit' and means exactly this overdraft limit on a checking account. The words can be confused because the 'Dispo' is a specific type of 'Kredit'. When talking generally about borrowed money, you say 'Kredit'. When a checking account is allowed to go into the red, people often say 'Dispo' in everyday language.
Am Monatsende nutzt mein Freund manchmal den Dispo, wenn sein Konto leer ist.
At the end of the month, my friend sometimes uses his overdraft when his account is empty.
Im Urlaub möchte Sofia keinen Kredit aufnehmen, nur um teurer zu reisen.
Sofia does not want to take out a loan on vacation just to travel more expensively.