Guangfa Bank credit card can call the bank to open the over-limit credit card function.

The overrun range is about10%;

It can only exceed 1 time in a single month;

This function will be automatically turned off after the overrun in the current month;

The overrun part can only be used for credit card consumption;

5% overrun fee will be charged for the overrun part, which will be charged when invoicing in the current month;

The over-limit part does not enjoy revolving credit.

Extended data:

In fact, banks have different regulations on excessive credit card swiping. Some banks, such as Minsheng Bank, stipulate that credit card overdraft requires cardholders to actively open the overrun function. Some banks, such as Bank of Communications, stipulate that credit cards can only be swiped within the available limit, and cannot be swiped excessively.

Other banks, such as China Merchants Bank and China Guangfa Bank, do not require cardholders to open the credit card overrun function, but allow cardholders to swipe their cards over the limit and charge a certain credit card overrun fee.

Like Bank of Communications, cardholders are not allowed to swipe their cards in excess, and Bank of Communications credit card holders can only swipe their cards within the credit card overdraft limit, but not in excess.

However, if the cardholder's credit card limit is not enough, he can apply for increasing the temporary limit. General temporary limit can only be used for one cycle, and the original limit will be automatically restored in the next credit card billing cycle. At the same time, the temporary amount of the brush needs to be paid off by the cardholder in one lump sum.

Cardholders of China Merchants Bank and Guangfa Credit Card can swipe their cards in excess, but they have to bear a higher credit card excess fee, which is 5% of the account credit limit and charged monthly. For example, the cardholder's credit card limit is 3,000 yuan, and the credit card spending in the current month is 5,000 yuan, so the cardholder needs to bear the credit card excess handling fee 100 yuan.