Only overdue repayment will affect credit, as long as repayment is made on time, or at least 10%. . \x0d\ If you are not careful about bad credit, as long as you pay attention to paying it back on time in the future, most banks stipulate that you are not allowed to spend more than the limit. If you want to exceed the credit limit, you need the cardholder to apply for temporary adjustment of the credit limit before you can continue to spend. However, this does not mean that banks will not charge over-limit fees. \x0d\\x0d\ Most banks indicate that cardholders can apply for a temporary increase in credit line, but this line has a cost-if the cardholder fails to pay off the excess within the stipulated repayment date, a handling fee of 5% will be charged for the excess, plus overdraft interest, mostly five ten thousandths of the outstanding amount, with daily interest.