At present, the over-limit value of Everbright Credit Card is 65,438+00% of the credit line of credit card. In other words, if the cardholder's credit card has an overrun value of 50,000 yuan, then the cardholder's credit card has an overrun value of only 5,000 yuan. If you want to use the over-limit line, the cardholder must first swipe the credit line of the credit card, and then swipe the card to use the over-limit line. For example, if the credit limit of a cardholder's credit card is 50,000 yuan, then if the credit limit is to be used, the cardholder needs to spend 50,000 yuan before using the remaining 5,000 yuan.

Not all credit cards issued by banks have an over-limit value. Before you swipe your card, you must know whether your credit card has exceeded the limit. If there is no over-limit value, the credit limit of the credit card will be written off and the card cannot be used again.

At present, the banks that have exceeded the credit card account opening limit are: Agricultural Bank, China Guangfa Bank, China Bank, Bank of Communications, Shanghai Pudong Development Bank, Industrial Bank and Postal Bank. Some banks have exceeded the credit card account opening limit by default, while others need users to apply for it themselves.