According to bank regulations, under normal circumstances, the maximum overspending on a credit card can exceed 10%, that is, the excess consumption is 10% based on the credit card limit. That is to say, when the credit limit of a credit card is 10,000 yuan, the user can spend an additional 1,000 yuan after using up the credit limit.

However, it must be noted that as long as the user uses a credit card for overspending, a handling fee of 5% of the credit card's overspending amount will be charged. The minimum fee for overspending is at least 10 yuan and the maximum is 200 yuan. In addition, the amount of overspending on a credit card does not enjoy interest-free service, and interest charges will be calculated on a monthly basis.

After over-spending with a credit card, you cannot apply for minimum repayment or installment repayment. After the bill comes out, the cardholder must repay the full amount of the over-spend.