1. Under normal circumstances, the bank will allow an appropriate limit to exceed the limit, and the general range will be controlled at about 5%- 10% of the original limit. Although the bank allows cardholders to spend more than the limit, the corresponding cardholders need to pay the handling fee for exceeding the limit. Let's see how much the credit card of Shanghai Pudong Development Bank can exceed the limit.

Under normal circumstances, if it is overused, the excess part needs to be paid off in one lump sum in the next period, and it cannot be paid in installments. There are many types of credit cards in Shanghai Pudong Development Bank, and the overrun range is between 3- 10%. If the credit limit is exceeded, an overrun fee of 5% will be charged for the overrun part, which is relatively high.

3. If it exceeds the limit, don't worry about having a bad credit record. As long as you pay back on time, it won't affect your credit history or anything else. Of course, it is not recommended to exceed the limit frequently. If the quota is not enough, you can call the banking service hotline to apply for increasing the temporary quota or fixed quota.

Second, credit card overrun related content

1. Credit card overdraft means that when the funds in the credit card account of the issuing bank are insufficient or no longer available, the cardholder can still use the credit card for consumption with the approval of the bank. Credit card overdraft is essentially the consumer credit provided by the bank to the cardholder, that is, when the funds are insufficient, the cardholder is allowed to spend first, and then the cardholder makes up the funds and pays certain interest according to the regulations.

2. Overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly allocate funds when you are in urgent need. Generally speaking, you take a credit card from the bank and withdraw cash through the bank counter or ATM, which is a form of borrowing. If you spend money in a shopping mall, take a credit card directly. This is called overdraft consumption (interest-free period).

3. Overdraft can be repaid by borrowing, with a daily interest rate of five ten thousandths; No overdraft, no interest, no interest for repayment on the day of overdraft, and interest for how many days of overdraft.