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Why can an Agricultural Bank of China credit card overdraft of 30,000 yuan only exceed the overdraft limit of 700 yuan?

The credit limit is only 700 yuan.

Everyone has a credit limit of 30,000 yuan, but you may rarely use this bank card or have defaults, resulting in low credit and therefore a low credit limit.

The Agricultural Bank of China is an important part of China's financial system. It provides a variety of corporate banking and retail banking products and services, and also carries out financial market business and asset management business. Its business scope also covers investment banking and fund management. , financial leasing, life insurance and other fields.