A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers.
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After the credit card was swiped vigorously during the Spring Festival, some new charging items such as over-limit fees appeared on the cardholder's bill.
The so-called overrun fee refers to the extra overdraft given by the bank after the cardholder reaches the total overdraft of the credit card, which is generally 10% of the original overdraft. The advantages of this are: the cardholder does not need to temporarily apply for a higher quota or can't swipe his card; The disadvantage is that the cardholder has to pay 5% of the overdraft limit.
References:
Baidu encyclopedia-credit card