However, according to the use of the card, many banks will grant cardholders an over-limit line of 0- 10% (0 means no), and they can overdraw if there is an over-limit line.

If there is an over-limit amount, there will be an over-limit fee for the over-limit credit card, but as long as the over-limit part is returned before the next billing date, there will be no over-limit fee.