The over-limit fee of Ping An Bank refers to the extra fee incurred by users who exceed the set limit in the process of using bank cards to pay. When providing payment services to customers, banks will set different trading limits for different customers according to their account status and risk assessment, so as to standardize trading behavior. If the customer exceeds the limit set by the bank when paying, the bank will charge the excess fee.

For Ping An Bank's over-limit fee, the bank will charge different proportions of handling fees according to the over-limit amount. Specifically, if the customer's one-time overrun amount is small, the handling fee is relatively low, but if the overrun amount is large, the handling fee will increase accordingly. It is reasonable for banks to charge over-limit fees, and it is also a measure to protect the security of customer accounts and the legitimacy of transactions.

In order to avoid cost overruns, customers can avoid risks through pre-preparation and prevention. First of all, you should know your account status and limit, and the scope of application of various bank cards in different occasions. Secondly, we should pay attention to the transaction amount and arrange the payment method reasonably according to personal needs and order amount. Finally, we should protect our bank card information and avoid the over-limit expenses caused by stolen credit cards and malicious transactions. By carefully understanding and implementing these measures, the occurrence of over-limit expenses can be effectively reduced and personal and property safety can be protected.