Credit card over-limit means that the cumulative credit limit used by the cardholder in one billing cycle exceeds the actual approved amount of a credit card. For example, the credit card limit is 10,000 yuan, but 11,000 yuan was used during the billing period. The 1,000 yuan exceeded the limit, which is what is usually called over limit.

And the Agricultural Bank of China, one of the four major banks, can exceed the limit by 20%. That is, if the credit limit is 10,000 yuan, you can increase it to 12,000 yuan. This extra $2,000 is called an over-limit. There are many banks that may exceed this limit, including China Guangfa Bank and Ping An Bank, but these two banks only have 10% of the limit. Therefore, Agricultural Bank of China Credit Card is a better bank than other banks.

What is the use of exceeding the limit? If your credit card limit is not enough for consumption, then exceeding the limit is more useful. There is no need to apply and review like a temporary quota. You can use it just like swiping your card normally. In addition to swiping your card, you can also make purchases online. For example, if the limit of a credit card is 8,000 yuan, the available limit before May 25th is 1,202 yuan. Using the over-limit function, you can swipe your card for consumption and get a limit of 2,016 yuan. 800 yuan has been exceeded beyond the credit limit.