ICBC credit cards can be used beyond the limit.

According to the regulations of the ICBC Credit Card Center, ICBC credit card holders can spend more than the limit, but a certain over-limit fee will be charged. Generally, cardholders can spend 10 yuan more than the limit. For example, if the credit card limit is 5,000 yuan, the maximum amount that can be exceeded is 5,500 yuan.

Depending on the currency of the credit card, the over-limit fee is charged differently, as follows:

1. Peony dual-currency and multi-currency credit cards: According to the super credit card 5 of the quota part will be charged, up to 500 RMB or 500 Hong Kong dollars or 500 RMB or 500 Hong Kong dollars or 500 Macau patacas or 100 US dollars or 100 euros. The remaining foreign currency accounts will be charged at the highest equivalent foreign currency of 100 US dollars.

2. Peony RMB credit card: 5% of the excess credit limit will be charged, up to 500 yuan.

If the card meets the following standards and has no bad credit record, ICBC can automatically upgrade the credit limit:

1. It has been no less than 3 months since the account was opened and the cumulative consumption is 500 yuan ( (inclusive) and above, the credit limit can be adjusted to 500 yuan;

2. After reaching the 500 yuan limit level for no less than 3 months and the cumulative consumption is more than 500 yuan (inclusive), the credit limit can be adjusted to 1,000 Yuan;

3. The credit limit can be adjusted to 2,000 Yuan for no less than 3 months after reaching the 1,000 Yuan credit level and the cumulative consumption is more than 500 Yuan (inclusive).

If the local card issuer has special regulations, this service will not apply.

You can also call the ICBC customer service hotline and choose 2 manual service-2 credit card service to request a limit adjustment. After the adjustment, the credit limit will not be higher than 2,000 yuan.

Extended information:

Tips for increasing the credit limit of ICBC credit card

1. Supplementary information

If the credit card is applied online, everyone You can go to the bank counter and resubmit your proof of employment, income, financial resources, etc. to the bank.

2. Deposit financial management

You can consider transferring the deposits from other banks to ICBC. The bank has a certain amount of deposits, so it is easier to increase the limit. Purchasing bank financial products can also increase your limit.

3. Small loans

If the loan is used to purchase fixed assets with high value and capable of maintaining value, such as houses, the bank will increase the amount. For banks, there are fixed assets as a guarantee.

4. Foreign currency consumption

Mainly to enrich credit card bills and make consumption more diversified.

5. Repay in full

Making multiple purchases of a large amount and repaying the full amount on time will definitely be more favorable than just repaying the minimum amount and spending a small amount. Banks welcome.

Reference material: Baidu Encyclopedia-ICBC Credit Card

Reference material: Industrial and Commercial Bank of China official website: over-limit fee