Bank of China credit cards can exceed the limit when swiping the card, but the limit cannot be exceeded when withdrawing cash. Generally, the credit card consumption can exceed 5% of the credit card limit, and the minimum is 10 yuan or 1 US dollar.

When cardholders make purchases at merchants, they use a Bank of China credit card to make payments. If the credit card limit is insufficient to pay off the consumption, the credit card payment can be settled with an amount exceeding the credit card limit of 5, but the credit card can withdraw cash. It needs to be within the limit of the credit card and cannot be used beyond the limit.