1. If the cardholder overdraws, the bank will charge a certain excess fee, generally 5% of the excess amount, which will be charged monthly until the cardholder pays off the debt. That is to say, if your credit card limit is 10000 yuan, but you spend a total of 12300 yuan when you overdraw, then you spend more than 1000 yuan, and the bank will charge (2300 * 5%)1for this part.

2. Under normal circumstances, the bank will allow the appropriate limit to exceed the limit, and the general range will be controlled at about 5%- 10% of the original limit. If it is used in excess, the excess part needs to be paid in one lump sum in the next period, and it cannot be paid in installments. As long as the repayment is made on time, it will not affect your credit history or anything else, and of course it is not recommended to exceed the limit frequently. If the quota is not enough, you can call the banking service hotline to apply for increasing the temporary quota or fixed quota.

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Consequences of overdue credit cards

1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.

2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.

3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.

4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.