Most banks have an over-limit limit that can be used, which is usually 10% of the fixed credit card limit. For example, if your credit card fixed limit is 10,000 yuan, then your over-limit limit is 1,000 yuan. In fact, the available limit of the credit card is 11,000 yuan. However, some banks will decide whether to allow customers to exceed their limit based on their credit card usage. For example, customers who use their cards poorly will not have an overage limit. Customers with good card usage will have an over-limit limit. Therefore, the specific over-limit limit depends on the policies of each bank. It is recommended that friends try it on their own. Even if the over-limit limit cannot be used, it will prompt that the available limit is insufficient, and it will not have a bad impact on the card!

Relevant regulations on over-limit limits have been in place since the early days of credit cards, but each bank has different policies. However, most banks have a default limit of 10% for customers to use in emergencies. However, each bank has different charging standards for exceeding the limit. Some banks, such as Ping An and Agricultural Bank of China, stipulate that no fees will be charged for usage exceeding the limit. However, most banks will still charge an over-limit fee, usually 5% of the over-limit limit, with a minimum of 10 yuan. For example, if your credit card limit is 10,000 yuan and the over-limit limit is 1,000 yuan, you will be charged an overage fee of 50 yuan.

In addition, the over-limit limit of a credit card has a special use. Generally, when the customer does not need the funds, deliberately using the over-limit limit can prompt the bank to provide your credit card with funds. Forehead. However, this increase is generally a temporary amount. Very few banks will directly increase the fixed limit to customers. There are two banks that require special explanation, one is Agricultural Bank of China and the other is Ping An Bank. Because the over-limit limit of these two banks does not charge any fees, the only difference is that the over-limit limit of Agricultural Bank of China can only be used once per billing cycle. As for the over-limit limit of Ping An Credit Card, there is no limit on the number of times it can be used per month. Therefore, Ping An’s excess limit can be returned and used again. However, once the excess limit of the Agricultural Bank of China is returned, it cannot be used again. You need to wait for the next cycle before using it again. As for whether the excess limit needs to be used, it depends on your personal needs. If there is really a gap in funds and the use period is not very long, then you can use it. If you use it for a long time, it will naturally not be of any benefit to your credit card. Because this limit is just a backup limit provided by the bank, customers are not expected to use it frequently.

The final summary is that the over-limit limit of a credit card is generally about 10% of the fixed limit, and some banks may be higher. For example, Ping An’s over-limit limit is up to 30%. However, each bank has different charging standards for exceeding the limit. It is recommended that when using it, friends can call customer service for consultation before using it!