In order to avoid the inconvenience caused by the failure of your credit card due to insufficient credit limit, we will allow you to use the part exceeding the credit limit according to the comprehensive use of your credit card. If the available credit limit is negative, your account has been overspent. Excess consumption will not be charged for the time being, which will not affect credit. You just need to pay the bill on time. You can check the transaction details through Ping An Pocket Bank APP- Credit Card-My Bill. If you need to consult Ping An Bank's credit card business, you can click on the link below to select "My"-exclusive customer service or follow Ping An Credit Card WeChat official account (paxyk955 1 1) for consultation. /branch/mkt/bank online/dist/online bankless . html #