Credit card over-limit fee is referred to as over-limit fee for short, which means that in a billing cycle, when the credit limit accumulated by the cardholder exceeds the credit limit actually approved on the billing date of the card, the cardholder must pay the over-limit fee according to a certain proportion.

According to the relevant regulations of the central bank, banks can control the maximum amount of credit card spending at 1 10% of the original amount. For example, if you have a credit card with a credit limit of 10000 yuan, you may spend as much as 1 1000 yuan directly on the credit card, and the bank may charge a certain percentage of the overrun fee if it exceeds the credit limit of 1000 yuan. However, the credit card of China Merchants Bank cannot exceed the credit limit, which is very special. Therefore, there is no over-limit fee for China Merchants Credit Card. When the cardholder's consumption limit is greater than the credit card issuance limit and it is necessary to temporarily increase the limit, you can call customer service to apply. The temporary increase of the limit is valid for two months, and there is still no over-limit fee, but the consumption limit exceeding the issuance limit needs to be repaid in the same month.