Does the credit card of China Everbright Bank have the function of exceeding the limit?
The credit card of China Everbright Bank has the function of exceeding the limit, which means that the cardholder does not need to apply for extra. When the credit card exceeds the limit, China Everbright Bank will charge the cardholder an over-limit fee. The charging standard for the credit card overrun fee of China Everbright Bank is:
1 When the default principal exceeds the current credit limit by less than or equal to 15%, China Everbright Bank will not charge the cardholder the overrun fee;
2 When the principal in arrears exceeds the current credit line 15%, China Everbright Bank will charge the cardholder an overrun fee, which is 5% of the excess and will be deducted on the credit card billing date.
In addition to the credit card exceeding the limit, cardholders can also apply to the bank for a temporary credit card limit when spending a large amount. When using a temporary credit line, cardholders should pay attention to that, in general, the temporary credit line that cardholders can apply for is 10% to 50% of the credit card line. How much temporary line you can apply for depends on the cardholder's repayment, credit history and usual consumption.
In addition, the cardholder may not enjoy the same interest-free treatment as the ordinary line when using the temporary line, and if the repayment is overdue, the bank will still impose penalty interest and liquidated damages on this part of the arrears.
The above answers tell you that the credit card of China Everbright Bank has the function of exceeding the limit, and after exceeding the limit, it will charge the over-limit fee, the charging standard of over-limit fee and so on. I hope this article is helpful to everyone.