If you spend 3W in one go, be careful. The bank may ask you to provide an official invoice for the card purchase. If you cannot provide it, the bank may treat it as a cash out. If you apply for installment repayment with the bank after swiping the card, there will be no problem.

Bank of Communications increases credit card limit:

1. Cardholders apply to the bank based on their personal creditworthiness. The bank will check the cardholder's card usage records, such as repayment status, whether the card is used frequently, etc. If the cardholder proves to be a high-quality customer, the bank can increase the temporary credit limit.

2. The cardholder provides the bank with new financial proof, such as a new real estate certificate, etc.

3. During fixed long holidays, the bank's credit card center will also actively adjust the credit card limit for cardholders to use during the holiday.

Credit cards that exceed your credit limit will be charged.

1. According to the regulations of the Central Bank, banks can control the maximum limit of credit card consumption to 110 of the preset credit limit, which is equivalent to an excess of 10. Most bank credit cards can be used beyond the limit. Continue to swipe your card for consumption within the range of 10.

2. Generally speaking, the amount charged for credit card over-limit fees is usually 5 yuan exceeding the credit limit. The minimum over-limit fee for RMB accounts is 10 yuan and the maximum is 200 yuan.

Overdraft cash withdrawal is a small cash loan provided by the bank to help you flexibly deploy funds when you are in urgent need. In layman's terms, it is a form of borrowing in which you take the credit card given to you by the bank and withdraw cash through the bank counter or ATM machine. If you are spending money in a shopping mall, swiping your credit card directly is called overdraft consumption (there is an interest-free period).

1. The overdraft cash withdrawal limit is set according to your card usage. The cash withdrawal standards of different banks are different. The lowest is no more than 30 of the credit limit, and the highest is 100 if there is a credit limit. Take it out.

2. In addition to cash withdrawal fees (cash withdrawal fees vary among banks), overdraft withdrawals at home and abroad must also pay interest and do not enjoy interest-free treatment.

Overdrafts can be borrowed and repaid at any time, and interest is calculated on a daily basis, with a daily interest rate of 5/10,000. No interest will be calculated if there is no overdraft, and no interest will be calculated if the overdraft is repaid on the same day. Interest will be calculated for the number of days of overdraft.