As the overrun function is turned off, Shanghai Pudong Development Bank stipulates that the credit card will be overrun for two consecutive months, and the system will automatically turn off this function. The customer has exceeded the limit and can no longer be used. You know, the credit card limit is also stipulated, which is generally about 5% to 10% of the credit card limit. If the consumption exceeds 5% to 10% of the limit, it is impossible to use it beyond the limit. Pufa Credit Card can only exceed the limit once in a billing cycle. In addition, it may be because customers' credit cards are often emptied and maxed out, which leads to an increase in account risk, so Shanghai Pudong Development Bank restricts transactions; Or when a payment transaction is made, the system detects a risk.

Why can Ping An Credit Card be used beyond the limit?

It is because Ping An Bank provided the credit card with an over-limit amount, which avoided the inconvenience caused by insufficient credit card amount and credit card invalidation. This function is enabled by default, and the cardholder does not need to apply. In fact, it is not only Ping An Bank that exceeds the limit, but also other banks. If the credit card limit becomes negative, it is overspending.