1. Many banks will give cardholders a spending limit that exceeds the original credit card overdraft limit, such as Minsheng Bank, China CITIC Bank and Industrial Bank.

2. Minsheng Bank can exceed the limit of 10%. After the cardholder opens the over-limit function service, the over-limit fee will be charged at 3% of the over-limit part, with a minimum of 10 yuan, which will be generated with the transaction. After the foreign currency is used beyond the limit, the standard for charging the over-limit fee is also 3% of the over-limit part, with a minimum of 10 yuan. The charging currency is RMB.

3. There is no charge for the excess credit card of CITIC Bank. Some customer service said that excess credit cards will also enjoy an interest-free period, and CITIC's credit cards can exceed 10%.

4. The over-limit quota of Industrial Bank is 5% of the quota.

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