The general credit card limit is 3, to 1, yuan, and the gold card limit is 1, to 5, yuan (depending on different bank regulations). The fixed amount of credit card applied by customers is comprehensively evaluated according to the information submitted by them, and the final audit result shall prevail.

according to the regulations of the central bank, banks can control the maximum amount of credit card spending at 11% of the preset credit limit, which is equivalent to exceeding the limit by 1%. Therefore, when the credit card limit is used up, it can still be overdrawn.

However, it should be noted that:

1. The extra 1% consumption quota is not free, and the bank will charge a certain percentage of "overrun fee" for this part of the amount;

2. The amount charged for credit card overrun is usually 5% of the credit limit. The lowest overrun fee for RMB account is 1 yuan, and the highest overrun fee is 2 yuan. That is to say, if the credit card has a fixed limit of 2, yuan, the cardholder can still overdraw 5 yuan for consumption after using this limit, but he must pay the overrun fee from 5 yuan to 25 yuan.

3. After applying for the temporary limit, you must first pay off the part that exceeds the original fixed limit. Because the temporary limit is not included in the minimum repayment amount, you can't just pay back 1% of the total amount, otherwise it will generate high interest, and cardholders need to pay special attention.

Extended information

China Merchants Bank Credit Card

The most important condition for applying for a credit card is to have a stable job and income. The necessary application documents are a copy of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful to understand your personal situation and judge the credit limit. The detailed application materials are as follows:

1. Identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of their military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit \ card verified by the promoter and marked; ?

3. proof of financial resources: it can be the payroll record issued by the bank, or the income tax withholding certificate, or the documents proving the market value of the house, car, deposit and investment (such as the copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit card bills of other banks, etc.