The specific amount that can exceed the limit is determined according to the cardholder's comprehensive card use. The overrun ratio of gold card and ordinary card is 10% of the current credit limit, and the overrun ratio of platinum card (inclusive) or above is 5% of the current credit limit (if it is in the temporary adjustment period at the same time, it will be calculated according to the adjusted credit limit). The over-limit limit cannot be used for transfer and cash advance.