First paragraph: Credit card over-limit means that the cardholder exceeds the available limit of the credit card when using the credit card for consumption, that is, exceeding the credit card limit. Once a cardholder exceeds the limit, the credit card cannot be used for any transactions until the cardholder pays off the excess amount or waits until the next repayment date.

Second Paragraph: Exceeding the credit card limit may cause unnecessary trouble and additional fees to cardholders. On the one hand, if cardholders do not strictly control their consumption behavior when using credit cards, or do not check the available credit limit in a timely manner, it is easy to exceed the limit. On the other hand, banks usually charge higher penalties and interest once the limit is exceeded, which puts a higher burden on the cardholder.

Paragraph 3: In order to avoid credit card over-limit, cardholders should always understand the usage of their credit cards, control their own consumption behavior, reasonably plan consumption plans, abide by the credit card repayment regulations, and maintain Good repayment habits. In addition, cardholders should maintain good communication with banks and credit card companies, keep abreast of the status and limits of their credit cards, and use credit cards reasonably based on their financial strength.