Credit card over-limit means that the amount spent by the cardholder using the credit card exceeds the maximum credit limit of the credit card. Credit cards from some banks offer over-limit spending. For example, Industrial and Commercial Bank of China and Agricultural Bank of China can use credit cards beyond the limit. Generally speaking, 10% of the original credit card limit can be exceeded. However, the credit card over-limit function requires active application and is generally not enabled by default. Cardholders can call customer service or edit text messages.