Overlimit of credit card means that the available credit card amount cannot meet the consumption demand at that time, so it will temporarily support consumption through exceeding the limit. However, the temporary limit is determined by the bank based on the risk assessment of the card owner, which is arbitrary and subjective. Therefore, the conditions and amount of grant are determined according to the bank's own policies and actual conditions, and cannot be completely controlled by the card owner.

Excessive use of the over-limit line will bring certain risks to credit card users, which may lead to the accumulation and overdue of credit card arrears, as well as the increase of interest and expenses. Therefore, in the use of credit cards, we should avoid abusing the over-limit line, control consumption as much as possible, and abide by reasonable credit card usage rules. At the same time, if the line is found to be misused, you should contact the bank in time and ask the other party to handle it.

In order to avoid similar overrun before credit card consumption, it can be avoided in the following ways:

1. Check the credit card bill regularly, keep abreast of the changes in the available credit limit in the card, and negotiate with the bank to expand the credit limit.

2. Reasonably plan the expenditure, avoid excessive consumption, moderately control the credit line, and ensure that the credit card available line is sufficient.

3. Improve your repayment ability, repay in time, avoid overdue, and reduce the increase of interest and expenses.

Finally, if you find that the credit card limit is misused or there are other problems, please contact the bank in time and ask for bank assistance. Hope to adopt!