According to the regulations of the central bank, banks can control the maximum credit card spending at 1 10% of the preset credit line, which is equivalent to 10% exceeding the limit. Most banks can continue to spend by credit card if they exceed the limit 10%.

Generally speaking, the amount of credit card overrun fee is usually 5% of the credit limit. The minimum overrun fee for RMB account is 10 yuan, and the maximum overrun fee is 200 yuan.