Hua Xia Credit Card (credit card) has only two over-limit opportunities in each billing cycle, and the over-limit limit is only 5% of the total credit limit. When the limit exceeds 2 times, the system will automatically turn off the credit card (debit card) over limit function. Therefore, users need to note that when using Hua Xia Credit Card (credit card) beyond the limit, they can only exceed the limit twice a month. Once this number is exceeded, you need to proactively contact manual customer service to re-activate the over-limit function.

If the user's Hua Xia Credit Card (credit card) limit is insufficient, they can try to apply for a temporary limit or apply for an increase in the fixed limit, which is more cost-effective than using an over-limit limit.