1. The credit card of Industrial Bank can be used beyond the limit, and the maximum limit is generally 10% of the original credit limit.

2. Generally, when the original credit line is used up, the cardholder can still continue to spend by credit card, but the maximum limit is 10%. For example, if the cardholder's credit line is 10000 yuan, the cardholder can only continue to spend 10000 yuan at most after spending.

3. In addition, there is an over-limit handling fee for the over-limit use of Industrial Bank's credit cards, which is generally charged at 5% of the over-limit consumption amount.