If the CITIC credit card is not repaid in full, it will not enjoy the interest-free period. After the limit is exceeded, the over-limit fee is charged at 5% of the over-limit portion, with a minimum of RMB 5 yuan/USD 1 yuan/HKD 5 yuan, charged monthly. Therefore, after exceeding the limit, you can repay part of the loan and no longer exceed the limit. The over-limit fee for that month will still be charged. The over-limit fee for the next month will be determined based on the situation in the next month.