(China Merchants Bank) If the available limit is 0, you cannot continue to overdraft. You can repay the loan first, or apply to increase the temporary limit on your credit card.

The available limit refers to the credit limit of your credit card that has not been used. The calculation method is as follows: credit limit - unpaid amount that has been paid - accumulated amount that has been used but not recorded = available limit

You can apply to increase or cancel the limit through the following channels (except commercial cards). 1. You can log in to credit card online banking at any time and click "Account Management" - "Account Limit Management" - "Temporary Limit Adjustment" to apply. Our bank will conduct audits based on the cardholder's consumption, repayment and other card usage conditions. 2. Telephone voice self-service: Call the credit card customer service hotline and enter 2-3-1 as prompted to apply.