There are many people who use CCB credit cards, and they are all concerned about the over-limit limit for CCB. In fact, the over-limit amount is generally not too much, so let's learn more about its over-limit amount.

what is the over-limit amount of CCB

The over-limit amount of CCB's credit card is generally controlled at about 5%-1% of the original total amount. It should be noted that CCB does not charge the overrun fee at present, but if the limit is used up and exceeds the limit, the limit will be displayed as a negative number. When the credit card is in the overrun state, it is impossible to handle some businesses, such as installment, applying for a temporary limit and so on. The excess part needs to be paid off in one lump sum in the next installment, and cannot be paid by installments.

In fact, your credit card can't be used over the limit. The over-limit part actually refers to the temporary limit you applied for before. After the temporary limit expires, the total consumption on your credit card is greater than the fixed limit of the credit card, which leads to the over-limit situation. It should be noted that the over-limit part is included in the next minimum repayment amount and needs to be paid off in one lump sum.

how many times can CCB use the over-limit line a month

Generally, the over-limit line of a credit card can only be used once in a billing cycle. In other words, if you have used the over-limit amount within one month, you can't use it again before the next month. This is to prevent cardholders from overdrawing, resulting in excessive repayment pressure.

Secondly, if you spend over-limit for two consecutive months, the bank may close your over-limit function. This means that you can't use the over-limit line in the future unless you reapply for opening it. This is to protect the interests of banks and avoid overdue repayment or default by cardholders.

Therefore, the over-limit line of CCB's credit card can really play a lot of roles at some time, but it also has many risks. I suggest you try not to use the over-limit line and arrange our budget reasonably.