1. Overconsumption of credit cards: When the amount of credit card holders exceeds the credit limit, some banks may charge an over-limit fee. Many banks, such as China Construction Bank, are exempted from the over-limit fee. In order to avoid over-limit expenditure, the cardholder should use the credit card within the specified over-limit amount, which is generally only about 5% to 10% of the credit limit of the card.

2. Impact on the credit line: Occasionally, if the cardholder overspends, as long as the repayment is made in time as agreed, it will not have much impact on the credit line. If cardholders occasionally spend a lot on holidays, and then repay in full and on time, this can show the bank the cardholder's demand for rational use of credit line, and at the same time, it is necessary to maintain a good personal credit record, and there may be opportunities to improve the credit line.

3. Pay attention to consumption behavior: However, it should be noted that frequent excessive consumption and credit card explosion are not conducive to the credit maintenance of cardholders, which may lead to bank risk control measures, resulting in a decrease in credit line, and even lead to card closure in serious cases.

4. Repayment pressure and credit impact: blind consumption of credit cards leads to excessive repayment, which will bring great repayment pressure to cardholders. If the cardholder fails to repay the loan on time, it will lead to overdue and personal credit damage.

Will the credit card with reduced limit be restored?

Credit cards can be restored after reduction or exemption. However, it should be noted that the credit card limit will be reduced due to the decline of users' comprehensive credit score, illegal use of cards and other reasons. However, the reduced credit cards can only be restored if they maintain good credit card use records and credit records in the later period. Even after returning to the previously reduced limit, the credit card can continue to increase the amount.