Can CCB credit card exceed the limit? Generally, CCB credit cards can only be used within a fixed limit, but in some special circumstances, such as when there is a temporary limit, you can use the card beyond the limit. For example, suppose your CCB credit card has a fixed limit of 10,000 yuan and a temporary limit of 2,000 yuan. If you spend 110 million yuan by swiping your card when there is a temporary limit, you still have 1,000 yuan in the remaining consumption limit. Once the temporary limit expires and is restored to 10,000 yuan, your available limit will be -1,000 yuan, and this 1,000 yuan is the excess limit.
What is the over-limit limit for CCB credit cards? Although the CCB credit card allows an appropriate limit to be exceeded, the over limit is not too much, generally about 5 to 10 of the credit limit. The specific amount that can be exceeded is determined based on the cardholder's comprehensive card usage. In addition, the over-limit limit is also affected by the card level. For example, the over-limit ratio for gold and regular cards is 10 times the current credit limit, and the over-limit ratio for platinum (inclusive) cards and above is 5 times the current credit limit. It should be noted that the excess limit cannot be used for transfers and cash advances.
Are there any charges for over-limiting CCB credit cards? If your credit card exceeds the limit, an over-limit fee will be charged, which is 5% of the over-limit amount, with a minimum of 1 USD or 5 RMB. Generally, it will be charged when the cardholder's accumulated unpaid balance exceeds the approved credit limit, and other charges will be temporarily waived. That is to say, as long as the full payment is made, there will be no charge. If the payment is not made, it will be charged. For example: For example, your CCB credit card limit is 10,000 yuan, and you have already spent 9,000 yuan but have not repaid, but you still need to swipe the card for 1,001 yuan. At this time, you will be charged 1*5
CCB credit card exceeds the limit How to repay? After the cardholder increases the temporary credit limit, the excess amount actually used over the original credit limit will be added to the minimum repayment amount in the next statement. That is to say, the cardholder needs to pay off the card in one lump sum in the next period and cannot pay in installments. The total amount of full repayment must not be less than the minimum repayment amount, otherwise it will be considered overdue. All in all, after your CCB credit card exceeds the limit, as long as the repayment amount is greater than the minimum repayment limit, it will not be overdue. Of course, it is best to pay off the current bill in full, otherwise you will only pay the minimum limit, although it will not affect your credit. But you will no longer enjoy interest-free, and interest will be calculated on a daily basis and compound interest will be calculated on a monthly basis until it is paid off, which is quite uneconomical. The above is the relevant introduction to "Can CCB credit card exceed the limit?", I hope it will be helpful to everyone. All in all, CCB credit cards can exceed the credit limit when there is a limit. Generally, the over-limit limit is 5 to 10 times the credit limit. After the credit limit is exceeded, an over-limit fee will be incurred, which needs to be paid once on the final repayment date of the next bill. For repayment, it is best not to exceed the limit frequently.