10%。 Icbc cardholders can spend more than 65,438+00% of the ICBC credit card limit. For example, the cardholder's credit limit is 5,000 yuan, so the cardholder's over-limit limit is 500 yuan. The total credit line is bound to be occupied too much. Once it exceeds the standard set by the bank, it will become a sensitive group with too high credit limit, leading to the rejection of the card.