According to the regulations of ICBC Credit Card Center, ICBC credit card holders can swipe their cards in excess, but they have to charge a certain fee for exceeding the limit. Cardholders can spend more than 65,438+00% of the credit limit. If the credit card limit is 5,000 yuan, they can spend up to 5,500 yuan. According to the different currencies of credit cards, the fees charged for exceeding the limit are different, as follows:

1. Peony dual-currency and multi-currency credit cards: charged at 5% of the excess credit limit, with a maximum of 500 yuan RMB or HK$ 500 or MOP 500 or 100 USD or 100 EUR, and the maximum of other foreign currency accounts is 100 USD.

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

Extended data:

Skills for ICBC to increase credit card limit;

1, the number of wins. Always use credit cards, regardless of the amount, as long as you can swipe your card, you will definitely spend. You really need to swipe your card more, because the multi-card system will think that credit cards are your daily necessities. And it still has money to collect.

2. quantity wins. It is best to spend at least 30% of the total monthly bill. That was not the case. With more credit cards, banks will indeed make more money. However, if your spending and income don't match, the bank will think you are very risky.

3. temporarily quit. Due to the short-term need to increase the number of places such as holidays, travel and business trips. , you can apply for a temporary quota, which will be easier to approve. This is usually easy to maintain, because everyone has temporary consumption. But the increased credit line is temporary. This has little to do with raising the permanent quota.

References:

ICBC Credit Card-Baidu Encyclopedia's long-term excess return is significant-ICBC Credit Card official website