CITIC Bank's credit card, normal credit card transactions are not allowed to exceed the available credit card limit. However, CITIC Bank provides a small amount of credit beyond the available credit limit for some customers who use the card well, and the amount varies according to the customer's card use. However, in general, it is not recommended to overuse credit cards. If the credit card is in excess, it will be returned to CITIC Bank as soon as possible, and the credit card will be overspent, and no credit card overrun fee will be charged. According to the customer service of CITIC Bank, extra credit cards will also enjoy an interest-free period.

CITIC Bank cannot exceed the credit card limit unless it actively applies for a temporary credit line. However, banks offer customers two ways to increase the temporary limit. One is that customers take the initiative to apply through the customer service center, and the other is to automatically increase the temporary quota before important festivals. Either way, customers will receive SMS notifications.