The phrase is informal and commonly used in everyday conversation, not in formal writing.

Colloquial usage

People use this phrase even when their illness may not medically be a 'cold,' showing its flexible usage.

Non-literal term

The phrase suggests a quick onset of symptoms, usually after being in the cold or rain.

In different contexts, 'catch a cold' can mean facing negative consequences.

It often relates to money or investment losses, as a metaphor for suffering repercussions.

The phrase can imply a lack of preparation or caution leading to a problem.