You need to pay an over-limit fee to use the quota. Generally, the overrun fee is charged at 5% of the overrun amount, with the lowest 10 yuan and the highest 200 yuan.
The excess must be returned in the current period, otherwise interest will be generated and there will be bad records.
When the consumption amount is greater than the maximum credit card limit, you can apply for the temporary credit card limit of Bank of Communications. You can get the temporary quota through the mobile banking of Bank of Communications, or you can call 95559 customer service number to handle this business.