First of all, I am happy to answer for you. It is said that Ping An Credit Card conducts risk detection on customers’ card usage at any time, and determines the credit limit based on the customer’s card consumption and repayment status and a comprehensive score based on external credit status. Dynamic adjustment. If your credit card limit is reduced, the ability to over-use is comprehensively assessed by our bank's system based on your current consumption situation. Ping An Bank will give a certain over-limit limit based on the cardholder's card usage, that is, What everyone calls the hidden amount. Ping An Credit Card's over-limit limit does not require the cardholder to actively apply. If there is an over-limit limit, the cardholder can directly swipe the card for consumption. The over-limit limit depends on the level. Do you think this can be done?