10%。 Ping An Credit Card can be used in excess of 10%. The specific amount of overrun depends on the cardholder's quota. If the credit limit of Ping An Credit Card is 5000 RMB, the over-limit limit is 500 RMB. It should be noted that the use of over-limit consumption requires a handling fee, which is generally charged at 5% of the over-limit part. The above is about how much Ping An Credit Card can overdraw.