In order to facilitate customers' credit card spending, customers do not need to apply in advance, and the floating line can be used once in the same billing cycle, that is, the bank provides 65,438+00% floating space for the credit line in addition to the approved credit line. If the customer's overdraft exceeds the credit limit approved by the bank, the bank will charge 5% of the overrun fee for the excess according to the billing cycle (from the day after the last billing date to the next billing date). There are minimum and maximum charges for overrun fees, ranging from RMB 10 yuan/USD 1 Yuan/HK$ 10 yuan to RMB 200 yuan/US$ 20 yuan/HK$ 200 yuan.