What does the cryptic crossword clue "Hateful to be overdrawn — one's recourse? (6)" mean?

The definition is "Hateful". The wordplay uses a charade (building blocks). OD (synonym="‘o/d’ is a shortening of “overdrawn”") + IOUS (synonym="IOUs, I owe you s") = ODIOUS; definition: "Hateful" The answer is ODIOUS.

Hateful to be overdrawn — one's recourse? (6)

Guardian Cryptic #28941 | 19 Down | 2022-12-15 flower

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