The limit is used up, and the last repayment date will be fine. After repayment, the limit can be restored and you can continue to use credit cards for shopping.

Credit cards have a billing date and a repayment date. "Bookkeeping date" refers to the date when the card issuer collects the accumulated outstanding consumer transaction principal, cash withdrawal transaction principal and expenses. Calculate the interest and the amount that the cardholder should repay.

"Due repayment date" refers to the latest date when the cardholder should repay all the payable amount or the minimum repayment amount stipulated by the card issuer (the consumption amount can be repaid before the due repayment date, and the credit card can be returned before 24: 00 at the latest).

For example, the 5th of each month is the bookkeeping date, the 23rd of each month is the repayment date, and the consumption from the 5th of last month to the 4th of this month is repaid on the 23rd of this month.

Extended data:

"My credit card limit is only 15000 yuan. When I repaid the loan, I found that I had overdrawn 17000 yuan. What is this? " A few days ago, when Ms. Chen returned her card, she found that her consumption quota was actually greater than the available credit card quota. "I have never brushed more than 15000 before, and I found it after brushing more this time." Ms. Chen said.

In this regard, the customer service staff of Guangfa Bank responded that customers will open the excess line of 10% by default when handling credit card business, and will not charge excess fees.

In life, many people, like Ms. Chen, think that maxing out a credit card is equivalent to using up all the overdraft limit of the credit card. For example, a credit card with a credit limit of 10000 yuan will be "maxed out" if it exceeds 10000 yuan, and you can no longer swipe your card. Actually, it's not. There is a concept that is often overlooked behind the explosion of credit cards, that is, "over-limit credit cards".

It is reported that the over-limit credit card swiping means that the accumulated credit limit used by the cardholder in a billing cycle exceeds the credit limit actually approved by the card. Generally speaking, you can continue to brush when the overdraft limit is used up. According to the regulations of the central bank, the maximum credit card limit is 10%. If the credit card limit in the cardholder's hand is 10000 yuan, the credit card is generally 1 1000 yuan to be truly "maxed out".

The reporter learned that commercial banks have cancelled the "overrun fee" of credit cards around 20 17, and banks do not charge overrun fees. However, different banks have different regulations on credit card excess, and some banks do not allow cardholders to exceed the limit.

The customer service of China Merchants Bank said that customers who need to spend more than the limit can open a temporary limit to increase the credit card overdraft limit for the month. In addition, ICBC and Agricultural Bank allow credit cards to exceed the limit, but the ratio of exceeding the limit is not clear. All initial customers of Minsheng Bank do not enable the overrun function by default, and customers can apply by SMS if they need to enable it. After opening, the over-limit amount depends on the comprehensive card use.

According to industry insiders, citizens can reasonably use the excess quota and repay it in time, and maintain a good personal credit record, which can make banks think that customers have higher consumption desire and repayment ability, which is conducive to applying for permanent adjustment.

China Jiangsu Net-Can the credit card be swiped again if it is maxed out? Some banks are allowed to exceed the limit 10%.