Having a credit card balance that exceeds your limit means that you have maxed out your card.

For example:

The limit of your card is 10,000 yuan, but you swiped 11,000 yuan. This is an excess of the limit.

Exceeding the limit and overdue means: you owe 11,000 but fail to repay on time.

Suggested solutions:

It is recommended that you repay the loan on time, otherwise there will be problems with your credit report. In addition, if multiple cards are overdue, it is recommended to use management software to set up repayments, otherwise it is easy to forget.