1. Does CITIC Bank have over-limit functions? This can be divided into two situations, mainly based on customer groups. If you are just an ordinary customer, then sorry, you can only use the card to make purchases within the credit card limit. If the limit is used up, you cannot use the card. Simply put, there is no over limit. If you are a high-quality customer who uses your card well, you may have an over-limit limit, and you will not be charged an over-limit fee after using the over-limit limit. In short, whether CITIC Bank's credit card can be used beyond the limit and how much is exceeded are comprehensively evaluated by the bank based on the customer's card usage.
2. How to activate the over-limit function in CITIC? This does not need to be activated. If it is a high-quality customer, CITIC will grant a certain excess limit by default, and the cardholder can use the card to consume without applying. If you are not sure whether there is an excess limit, you can use your credit card's available limit and go directly to CITIC Bank's mobile card space to check the limit. It is said that if the available limit shows a negative number, it means that the excess limit has been used. The above is the relevant introduction to "How to activate the over-limit function in CITIC". All in all, not everyone has an over-limit credit card with a CITIC Bank credit card. If the credit card has an over-limit limit, it is recommended not to use it. After all, the over-limit limit needs to be paid off in one go, so the over-limit limit is There are certain risks, and it will be more troublesome if you can't afford to pay it back after using it.