If ABC credit card holders need to exceed the limit, they need to apply to the bank in advance to open the over-limit credit card service. You can't exceed the limit without applying.

Agricultural credit cards give customers a 20% limit, that is, a credit card with a limit of 5,000 yuan can spend 6,000 yuan.

The over-limit part must be repaid in full, and the minimum repayment amount is not allowed. After the general credit card exceeds the consumption limit, the credit card can't be used temporarily, and it needs to be repaid until there is an available amount.

Agricultural Bank of China's credit card has an interest-free period, but the cardholder must pay it off on the repayment date, because the over-limit part cannot be repaid according to the minimum repayment amount.