1, because the usage exceeds the limit.

Because overrun refers to the hidden limit that exceeds the credit card limit set by the bank, usually users are not clear. Therefore, users are likely to use this implicit limit without knowing their credit card limit usage.

2. Overexpenditure caused by interest and late fees.

Most banks don't set a limit for exceeding the limit, but the interest, late fees and other expenses caused by insufficient repayment last month may still lead to exceeding the limit. In addition, failure to repay the loan in full in the early stage will generate circulating interest and late fees, and the increasing amount of these fees will eventually exceed the loan amount.

3. Temporary restrictions expire, resulting in overrun.

Many banks will automatically increase the credit limit of credit cards for customers during the long vacation, or users will apply to customer service staff to increase the credit limit by a certain percentage in an emergency. This part of the credit line is called temporary credit line. Generally speaking, after the temporary limit expires, the credit card limit will be restored to the original credit limit, and the part of the account that still exceeds the original credit limit will be charged in proportion.