Hello, our bank’s credit card cannot be used beyond the limit.

When your fixed quota cannot meet your consumption needs, you can apply for a temporary quota from our bank, which will take effect immediately after approval. The temporary quota is valid for a certain period of time, and will automatically revert to the original quota after the period is exceeded. After the temporary limit expires, the used temporary limit (the portion exceeding the fixed limit) does not enjoy the revolving credit facility and will be included in the minimum payment amount of the latest bill and must be paid off in one lump sum on the due payment date.

You can log in to credit card online banking and click "Account Management" → "Account Limit Management" → "Temporary Limit Adjustment".

Or use voicemail to apply. After calling the credit card service hotline to verify your identity, press 2 to enter "Limit Inquiry and Adjustment", and then press 3 to enter "Limit Adjustment Application".

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.