How much can the Bank of Communications credit card overdraw?
According to the actual amount displayed on the page, you can overdraw the credit line of 10% at most. This part of the funds that exceed the overdraft is automatically given by the Bank of Communications system, which cannot be manually intervened, but the same billing cycle is at most once. The cardholder cancels the excess credit limit, and once the cancellation takes effect immediately, it cannot be recovered.
In addition, the main card and the auxiliary card enjoy the super credit line at the same time in a billing cycle, but after one card is used, the other card cannot be used. RMB and USD accounts enjoy and share the super credit line at the same time in one billing cycle.
Is there a charge for credit card exceeding the credit limit?
No charge. According to the regulations of Bank of Communications, there is no charge for the excess credit card. However, if the cardholder uses the service that exceeds the credit limit, the Bank of Communications will send a short message immediately, advising the cardholder to repay immediately.
The SMS bill will show the total amount to be repaid in this period, including the part of the transaction that exceeds the credit limit, and will not distinguish the excess amount separately. When repaying, the cardholder can choose to repay in full or in part.