The reason for this situation is that Ping An Bank has set limits on the overdraft limit of credit cards.

The overdraft limit of Ping An Credit Card cannot exceed 10% of the credit limit. For example, if the credit limit of Ping An Credit Card is 20,000, then an overdraft amount exceeding 2,000 will not be completed.

This restriction is to control risks and protect the financial security of cardholders. Banks will set overdraft limits based on the cardholder's credit status and repayment ability, and use a series of risk management measures to ensure the cardholder's financial stability.