übergezogen

Überzogen is the past participle of the German verb überziehen and is used in two main senses. In financial contexts it describes an account that has a negative balance because money has been withdrawn beyond the available funds. The standard construction is with haben: Ich habe mein Konto überzogen. The preterite form is überzog, as in Er überzog sein Konto im Urlaub.

In a physical or material sense, überziehen means to cover or coat something with a layer. Examples include clothing or surfaces that are coated, such as a fabric that is mit Gold überzogen (covered with gold) or Möbel, die mit Kunststoff überzogen sind (furniture that is coated with plastic). As an adjective, überzogen can describe something that has been coated or layered: ein überzogenes Tuch, eine überzogene Oberfläche.

Grammatical notes: the participle überzogen is used with the auxiliary haben in finite tenses (Ich habe… überzogen). It can also function as an adjective or predicatively, e.g., Das Konto ist überzogen. The verb überziehen itself is a separable-prefix verb in some forms, but the participle used in compound tenses remains einfach überzogen.

Related terms include die Überziehung (the act or status of overdrawing) and überzogen (as an adjective meaning “coated” or “overly exaggerated” in certain contexts). The exact meaning is usually determined by context, with banking clearly distinct from material coating.