1. In order to avoid the inconvenience caused by the invalidation of your credit card due to insufficient credit, we will allow you to use it outside the credit card according to the comprehensive use of your credit card. There is no need to apply for opening the overrun function, and no overrun fee will be charged for the time being. You just need to pay the bill on time.

2. Can you overspend? The exact amount you can overspend can't be estimated, which is comprehensively evaluated by our system according to your current consumption situation. In order to avoid transaction failure, it is suggested that you pay attention to your available quota and spend within it.

Reply time: June 2020-10. Please refer to the latest business changes announced by Ping An Bank in official website.