Exceeding the credit limit in a single month means that the cumulative credit limit used by the cardholder in one billing cycle exceeds the actual approved credit limit of the card. Once the overdraft limit is used up, you can still continue to use it. According to the regulations of the Central Bank, the maximum credit card limit exceeds 10%. The credit card limit in the hands of the cardholder is 10,000 yuan. Generally, the credit card limit is really maxed out when the amount reaches 11,000 yuan.