Everbright Credit Card has the function of exceeding the limit, but it only needs to be charged.

The "regulation" that banks charge over-limit fees has been widely questioned by cardholders. However, in the charging items announced by some banks recently, the "over-limit fee" of credit cards has gradually faded out.

according to the regulations of the central bank, banks can control the maximum amount of credit card spending at 11% of the approved amount. if the cardholder's approved amount is 1, yuan, the maximum amount of credit card spending is 11, yuan. In 1 yuan, which exceeds the quota, banks will charge a certain percentage of the excess fee. It is reported that at present, most domestic banks charge 5% of the excess fee.

the charging standard of credit card overrun fee of China everbright bank: when the principal in arrears exceeds the current credit limit by less than 15%, the overrun fee will not be charged; When the principal owed by the account exceeds the current credit limit > At 15%, the over-limit fee will be charged according to the existing rules. The over-limit fee is charged at 5% of the excess, which will be deducted on the billing date.

Extended information:

Generally, the credit card limit for the first application of China Everbright Bank is not very high, and the credit card depends on the applicant's income, company situation and personal credit history.

it depends on the occupation, the unit where you work. If it is a small and medium-sized enterprise, it is about 3,-5,. If it is a government enterprise, school or institution (like an iron rice bowl), it may be higher. There are also restrictions on the type of work, and it is impossible to apply for a credit card for unstable occupations (such as sales).

You don't need to write the monthly income of 1,8 when applying, because if the annual income is less than 3,, it seems that the card approval rate is very low, just fill in more than 5,, and the bank will only confirm the work situation, not the income situation.

Reference: Baidu Encyclopedia-China Everbright Bank Credit Card