Excessive consumption of credit cards by Bank of Communications will not have any impact, and cardholders can repay on time after their credit cards are overdrawn.

Credit card excess refers to the cardholder's accumulated credit card usage limit exceeding the credit card limit approved by the bank. After the credit card of Bank of Communications exceeds the limit, no additional fees will be charged, and the credit of the cardholder will not be affected. However, the cardholder needs to pay off the excess consumption in one lump sum on the repayment date, and can't repay by installments or the minimum repayment amount.

In addition, Bank of Communications only provides credit card overuse service once in a billing cycle, that is to say, if the cardholder overuses the card once in a billing cycle, he will not be able to continue to use the card and can only continue to spend after the repayment is resumed.