To enable the overrun function, please use the reserved mobile phone to edit the "last four digits of KC card number" and send it to/kloc-0 106902895568；; To turn off the overrun function, please use the reserved mobile phone to edit the "last four digits of QC card number" and send it to 106902895568. Credit card overdraft is a special service provided by the bank for cardholders, which allows cardholders to overdraw their credit limit in case of insufficient credit limit in case of emergency.

At present, Minsheng Bank allows customers to use a small amount of excess on the basis of the approved credit line, and the excess line cannot be used for transfer and cash advance. Minsheng Bank's credit card can only exceed the limit after the over-limit service is opened, and it can only exceed the limit once in a billing cycle.

If the customer uses the overrun function continuously for two consecutive billing cycles, the overrun function will be automatically turned off on the billing day of the second billing cycle.

It should be noted that the specific amount that can be exceeded is determined according to the cardholder's comprehensive card use. The overrun ratio of gold card and ordinary card is 65,438+00% of the current credit line, and the overrun ratio of platinum card or above is 5% of the current credit line (if it is in the temporary adjustment period at the same time, it will be calculated according to the adjusted credit line). The over-limit limit cannot be used for transfer and cash advance.