支票透支了怎么办

​ 在一定的范围内，支票透支后“好心”的银行也会让你取出来，但之后吗……利息是少不了的

:(

#pragma once
#include<iostream>
#include<string>
using namespace std;

// Brass类表示一个基本的银行账户
class Brass
{
private:
    string fullName; // 客户姓名
    long acctNum;    // 账户号码
    double balance;  // 账户余额
public:
    // 构造函数，初始化客户姓名、账户号码和余额
    Brass(const string& s = "Nullbody", long an = -1, double bal = 0.0);
    
    // 存款函数
    void Deposit(double amt);
    
    // 虚函数，取款函数
    virtual void Withdraw(double amt);
    
    // 返回账户余额
    double Balance()const;
    
    // 虚函数，显示账户信息
    virtual void ViewAcct()const;
    
    // 虚析构函数
    virtual ~Brass();
};

// BrassPlus类继承自Brass类，表示一个具有透支功能的银行账户
class BrassPlus :public Brass
{
private:
    double maxLoan;   // 最大贷款额
    double rate;      // 贷款利率
    double owesBank;  // 欠银行的钱
public:
    // 构造函数，初始化客户姓名、账户号码、余额、最大贷款额和贷款利率
    BrassPlus(const string& s = "Nullbody", long an = -1, double bal = 0.0, double m1 = 500, double r = 0.011125);
    
    // 构造函数，使用Brass对象初始化，并设置最大贷款额和贷款利率
    BrassPlus(const Brass& ba, double m1 = 500, double r = 0.11125);
    
    // 虚函数，显示账户信息
    virtual void ViewAcct()const;
    
    // 虚函数，取款函数
    virtual void Withdraw(double amt);
    
    // 重置最大贷款额
    void ResertMax(double m) {
        maxLoan = m;
    }
    
    // 重置贷款利率
    void ResertRate(double r) {
        rate = r;
    }
    
    // 重置欠银行的钱为0
    void ResertOwes()
    {
        owesBank = 0;
    }
};

#include "Brass.h"
typedef ios_base::fmtflags format;
typedef streamsize precis;

// 设置格式
format setFormat();
// 恢复格式
void restore(format f, precis p);

// BrassPlus 构造函数
BrassPlus::BrassPlus(const string& s, long an, double bal, double m1, double r)
{
    maxLoan = m1;
    owesBank = 0.0;
    rate = r;
}

// BrassPlus 构造函数
BrassPlus::BrassPlus(const Brass& ba, double m1, double r)
{
    maxLoan = m1;
    owesBank = 0.0;
    rate = r;
}

// 查看账户信息
void BrassPlus::ViewAcct() const
{
    format initialstate = setFormat();
    precis prec = cout.precision(2);
    Brass::ViewAcct();
    cout << "Maxium load: $" << maxLoan << endl;
    cout << "Owed to bank: $" << owesBank << endl;
    cout.precision(3);
    cout << "Loan Rate: " << 100 * rate << "%\n";
    restore(initialstate, prec);
}

// 提现
void BrassPlus::Withdraw(double amt)
{
    format initialstate = setFormat();
    precis prec = cout.precision(2);
    double bal = Balance();
    if (amt <= bal)
        Brass::Withdraw(amt);
    else if (amt <= bal + maxLoan - owesBank)
    {
        double advance = amt - bal;
        owesBank += advance * (1.0 + rate);
        cout << "Bank advance: $" << advance << endl;
        cout << "Finance charge : $" << advance * rate << endl;
        Deposit(advance);
    }
    else
        cout << "Credit limit exceeded. Transaction cancelled.\n";
    restore(initialstate, prec);
}

// Brass 构造函数
Brass::Brass(const string& s, long an, double bal)
{
    fullName = s;
    acctNum = an;
    balance = bal;
}

// 存款
void Brass::Deposit(double amt)
{
    if (amt < 0)
    {
        cout << "Negative deposit not allowed; deposit is cancelled.\n";
    }
    else
        balance += amt;
}

// 提现
void Brass::Withdraw(double amt)
{
    format initialstate = setFormat();
    precis prec = cout.precision(2);
}

// 获取余额
double Brass::Balance() const
{
    return balance;
}

// 查看账户信息
void Brass::ViewAcct() const
{
    format initialstate = setFormat();
    precis prec = cout.precision(2);
    cout << "Client: " << fullName << endl;
    cout << "Account Number: " << acctNum << endl;
    cout << "Balance: $" << balance << endl;
    restore(initialstate, prec);
}

// Brass 析构函数
Brass::~Brass()
{
}

// 设置格式
format setFormat()
{
    return cout.setf(ios_base::fixed, ios_base::floatfield);
}

// 恢复格式
void restore(format f, precis p)
{
    cout.setf(f, ios_base::floatfield);
    cout.precision(p);
}

#include "Brass.h"

int main()
{
    // 创建一个Brass对象Piggy，账户名为"porcelot pigg"，账户号为381299，初始余额为4000.00
    Brass Piggy("porcelot pigg", 381299, 4000.00);
    
    // 创建一个BrassPlus对象Hoggy，账户名为"Horation Hogg"，账户号为382288，初始余额为3000.00
    BrassPlus Hoggy("Horation Hogg", 382288, 3000.00);
    
    // 显示Piggy账户信息
    Piggy.ViewAcct();
    cout << endl;
    
    // 显示Hoggy账户信息
    Hoggy.ViewAcct();
    cout << endl;
    
    // 向Hoggy账户存入1000美元
    cout << "Depositing $1000 into the hogg Account:\n";
    Hoggy.Deposit(1000.00);
    cout << "New balance: $" << Hoggy.Balance() << endl;
    
    // 从Piggy账户取出4200美元
    Piggy.Withdraw(4200.00);
    cout << "Piggy account balance: $" << Piggy.Balance() << endl;
    
    // 从Hoggy账户取出4200美元
    cout << "Withdrawing $4200 from the Hogg Account:\n";
    Hoggy.Withdraw(4200.00);
    
    // 显示Hoggy账户信息
    Hoggy.ViewAcct();
    
    // 暂停系统，等待用户输入
    system("pause");
    return 0;
}

结果：

Client:porcelot pigg
Account Number:381299
Balance: $4000.00

Client:Nullbody
Account Number:-1
Balance: $0.00
Maxium load: $500.00
Owed to bank: $0.00
Loan Rate: 1.113%

Depositing $1000 into the hogg Account:
Nem balance: $1000
Pigg account balance:$4000.00
Withdrawing $4200 from the Hogg Account:
Credit limit exceeded.Transaction cancelled.
Client:Nullbody
Account Number:-1
Balance: $1000.00
Maxium load: $500.00
Owed to bank: $0.00
Loan Rate: 1.113%

特别鸣谢Github Copilot生成的注释）