1. The fast payment experience limit in Taobao is the maximum limit for you to use fast payment this month, which is generally 5000. If you exceed this limit, you can't use fast payment, only personal online banking and other payment methods can be used.

2. The money used for quick payment is generally the overdraft limit of your credit card. Banks usually have an interest-free period of 20-50 days, and you can repay before the due date. If you don't have enough money, you can't repay in full, at least you have to pay the minimum repayment amount, otherwise your personal credit record will be affected.

3. The balance in the card can be inquired by the customer service telephone of the bank credit card.

(Personal views are for reference only)