Solution:
1. Adjust temporary restrictions in time. Tip: Repayment must be made on time.
For example, one-time consumption exceeds the credit card limit, which can be accomplished by temporarily increasing the limit.
The validity period of the temporary bank line varies from 1 month to 3 months, and it will automatically revert to the line before adjustment after expiration. The temporary line can only be used for consumption and cannot be withdrawn.
After applying for a temporary quota, you must first pay off the part that exceeds the original fixed quota. Because the temporary limit is not included in the minimum repayment amount, you can't just repay 10% of the total amount, otherwise high interest will be generated. Individual banks will also charge 5% for the higher part, so cardholders need to pay special attention.
2. Use the "invisible" quota, and prompt: beware of the over-limit fee.
Credit cards also have "overrun" beyond the credit limit, which is an implicit limit set by some banks outside the fixed credit limit for the convenience of users. Usually, users don't know. According to the regulations of the central bank, the overrun must be less than 10% of the total amount, and Guangfa Bank is one of the few banks with overrun limit.
However, it should be noted that the extra 10% consumption quota is not free, and the bank will charge a certain percentage of "overrun fee" for this amount, which is also recognized by the central bank. According to the charging standard of Guangfa Bank, when the total amount owed by the customer's account exceeds the credit limit, the bank will charge 5% of the overrun fee, with the minimum overrun fee for RMB account being 10 yuan and the maximum overrun fee being 200 yuan. That is to say, if the credit card has a fixed limit of 20,000 yuan, the cardholder can still overdraw 500 yuan for consumption after using this limit, but he must pay the excess fee from 500 yuan to 25 yuan.
Credit card goodwill overdraft
Refers to when the credit card holder has insufficient funds or no funds in the account of the issuing bank, according to the credit card regulations of the issuing bank or with the approval of the issuing bank, the part exceeding the balance of funds in his credit card account is withdrawn and the principal and interest are returned within the specified time.
Goodwill overdraft must meet the following two basic conditions:
(1) is within the limit stipulated in the credit card articles of association of the issuing bank or authorized by the issuing bank. According to the relevant provisions of the credit card regulations of major domestic commercial banks, according to different types of credit cards, the overdraft limit is generally 1 1,000 yuan, 5,000 yuan and 1 1,000 yuan. The overdraft limit of credit cards issued by commercial banks in China is much lower than that of western developed countries, and the credit function of credit cards is not strong, which is related to the underdeveloped personal credit system in China and is also the last means for commercial banks to avoid the risk of malicious overdraft.
(2) Return the principal and interest within the specified time. China's commercial banks stipulate that the term of repayment of principal and interest is 1 month. Credit card overdraft in good faith is essentially that the cardholder borrows money from the issuing bank, and the issuing bank provides credit services to the cardholder, which is a legal act and naturally does not constitute a crime.
Credit card malicious overdraft
Malicious overdraft of credit card refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Under normal circumstances, malicious overdraft is a breach of contract, and you need to bear the liability for breach of contract according to the credit card collection contract.
Malicious overdraft behavior includes two basic behaviors: first, overdraft exceeding the prescribed limit, that is, overdraft exceeding the provisions of the credit card charter or the permission of the issuing bank. Second, the overdraft exceeds the prescribed time limit, that is, the principal and interest are not returned within the prescribed time. Generally speaking, malicious overdraft of credit cards will leave a bad credit record in the issuing bank, which will affect the personal credit of cardholders.
Credit card overdraft-Baidu Encyclopedia