There is an upper limit.

At present, various banks have different charging standards for credit card over-limit fees. ICBC, Bank of China, Agricultural Bank of China, China Construction Bank, Bank of Communications, China Merchants Bank, Ping An and other banks waive credit card over-limit fees. Guangfa, Everbright, Minsheng , Shanghai Pudong Development Bank and other banks will charge a certain percentage of over-limit fees.

The specific amount charged is generally 5% of the amount exceeding the credit limit. It is charged once a month based on the account, with a minimum of 10 yuan and a maximum of 200 yuan. Rong360 credit card experts also remind that most banks will charge an over-limit fee of 5, as well as interest and late fees. There are also banks that do not charge over-limit fees, but it may affect your credit history.

Extended information:

Cardholders can set SMS reminders for the consumption amount on their credit cards. They can be notified of changes in the amount in the card at the first time, and call the bank immediately if there is any abnormality. It should be noted that you must correctly reserve your mobile phone number when applying for a credit card. If your mobile phone number changes, you should also call the bank's customer service hotline to update it in time.

Set a consumption limit for the credit card you are using to reduce losses if something goes wrong. Do not easily disclose personal information to unfamiliar people. Protect the credit card receipt after each card swiping so that you can have proof if there is any problem. , we must strengthen the management of sleep cards. Credit cards that are not needed or have not been opened must be canceled in time to avoid unnecessary losses.

Ifeng.com - How to ensure safety when using credit cards overseas? Please set SMS reminders and consumption limits

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