No, whether your credit card can be overused is comprehensively evaluated by our system according to your current consumption situation. In order to avoid transaction failure, it is recommended that you pay attention to your available quota and spend within it. You can log in to Ping An Pocket Bank APP- Credit Card-My Credit Limit for inquiry. Response time: June 23rd, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.