When using a credit card, you can usually spend as much as you have available limit. However, sometimes you can spend more than the limit. This phenomenon is called credit card over-limit. In fact, it’s not just China Construction Bank. There are many credit cards that can exceed the limit. Let’s take a look.

My CCB card can actually exceed the limit! CCB credit cards have over-limit service enabled by default, and the maximum limit that can be exceeded is 10%. Cardholders do not need to apply to the bank for over-limit. The limit may be exceeded only if the credit card is maxed out with the last purchase, depending on the transaction. The amount and credit card available limit, whether the limit can be successfully exceeded shall be subject to the system's evaluation of the current transaction. For example, if the credit card limit is 10,000 yuan, the limit can be exceeded by 1,000 yuan at most, and the available limit is 2,000 yuan. The last transaction amount does not exceed 3,000 yuan. If you max out the credit card, you may exceed the limit. The cardholder can check the credit card limit after the transaction is successful. If a negative number is displayed, it means the limit has been exceeded successfully.

There are other credit cards that can be over-limited. In addition to Minsheng Credit Card, which no longer provides over-limit services, other mainstream credit cards can provide over-limit services, including China Merchants Bank, Communications, Guangfa, Industrial Bank, etc. Different banks have different requirements for credit cards. The requirements for using over-limit services are different, and most of them are enabled by the system by default. However, there are some cases where you need to apply to the bank for activation in advance. Cardholders can contact the card-issuing bank for consultation. No matter which bank's credit card you use to exceed the limit, as long as the limit is exceeded successfully, no over-limit fee will be charged. However, the excess limit will be included in the minimum repayment amount, and installments and minimum repayments are not supported. This part of the limit must be paid off in full after the bill comes out. Because the repayment pressure is a bit high, it is recommended to use the over-limit function with caution. The above is the relevant introduction of "My CCB card can actually exceed the limit". I hope it will be helpful to everyone.