Industrial Bank's credit card can be used beyond the limit, and the maximum limit is usually 10% of the original credit limit. Generally, when the original credit line is used up, the cardholder can still continue to spend by credit card, but the maximum limit can only be 10%.

For example, if the cardholder's credit line is 1000 yuan, then after spending 1000 yuan, the cardholder can only continue to spend 1000 yuan at most. In addition, there is an over-limit handling fee for the over-limit use of Industrial Bank's credit cards, which is generally charged at 5% of the over-limit consumption.

Extended data:

Precautions:

1. Applying for thread lifting is not something you can lift if you want. The bank will decide whether to increase the quota according to the repayment situation and credit status. Therefore, many credit cards, diversified consumption types and timely repayment are very important for cash withdrawal.

2. Temporary withdrawal is valid, and the temporary credit line of Industrial Bank is valid for 1 month. After the expiration, the line will automatically return to the original line.

3. After the temporary withdrawal, the part exceeding the fixed amount cannot enjoy the minimum repayment amount, nor can the bill be divided into stages.

4. The customer's credit card status is normal, and there should be enough available amount in the card account for successful payment.

Baidu encyclopedia-xingye credit card

Baidu encyclopedia-credit card limit

Official website of Industrial Bank-Industrial Bank