According to the usage regulations of Bank of Communications credit cards, users do not have to actively activate Bank of Communications credit cards if they exceed the limit. As long as the user applies for a Bank of Communications credit card, the Bank of Communications credit card will automatically issue a certain excess limit to the cardholder. According to regulations, the over-limit limit of a Bank of Communications credit card is 10 times the credit limit of the credit card. That is to say, when the credit limit of a credit card is 10,000 yuan, the over-limit limit of the credit card is 1,000 yuan.

The definition of over-limit for Bank of Communications credit cards means that the cumulative credit limit used by the cardholder exceeds the credit limit approved by the card issuer. Strictly speaking, over-limit is not an invisible limit for the cardholder. Therefore, after using the Bank of Communications credit card to make purchases that exceed the limit, the user needs to pay an over-limit fee, which is usually 5% of the over-limit used by the cardholder. To collect over-limit fees, the minimum fee is RMB 5 or USD 1.

Higher fees will be charged for over-limit consumption, so it is recommended that users try not to use over-limit values. If the limit is not enough, the cardholder can choose to apply to Bank of Communications Credit Card to increase the temporary limit.