Yes. China Merchants Bank credit card can be used in excess of the limit. If you receive an electronic statement from China Merchants Bank, you can withdraw within the limit, or you can repay more yourself. As long as you activate the card with the "HSBC" logo, you can Before expiration, check according to the billing address where the bill is sent. If you choose a card marked with "Excess Use", overage management will not be sent and there is no need to apply for an adjustment.