You can continue to use your credit card if there is no money in it, but not all banks support this "over-limit" service.

Some banks have strict risk control and do not allow cardholders to swipe their cards beyond the limit. For example, Bank of Communications and China Merchants Bank cannot use credit cards beyond the limit; credit cards from ICBC, Agricultural Bank of China, Bank of China and Ping An Bank can use credit cards in excess of the limit, but the over-limit proportion is not clear; credit cards from China Guangfa Bank can use credit cards above the limit of 10%.

All initial customers of Minsheng Bank will not activate the over-limit function by default. If you need to activate the over-limit function, you need to use the reserved mobile phone to edit the SMS application. After a customer activates the over-limit function, the specific amount that can be exceeded is determined based on the customer's comprehensive card usage.

In fact, many banks will give cardholders a consumption limit that exceeds the credit card overdraft limit. For example, the credit limit of a credit card is 10,000 yuan, but usually the amount of consumption that can be swiped by this credit card is 11,000 yuan, that is There is an overage limit of 10. To put it bluntly, many credit cards can still be used after they are maxed out.

Before 2017, many banks allowed cardholders to swipe their cards over the limit. At the same time, they levied an "over-limit handling fee" on transactions that exceeded the limit, which was generally about 5% of the over-limit amount.

However, the "Notice of the People's Bank of China on Matters Related to Credit Card Business" issued by the Central Bank in 2016 requires commercial banks to make corresponding adjustments to various credit card charging standards. Therefore, various commercial banks have issued announcements successively. , around 2017, began to cancel credit card “over-limit handling fees”.