There is a charge for credit card spending that exceeds the credit limit.

1. According to the regulations of the central bank, banks can control the maximum credit card spending at 1 10% of the preset credit line, which is equivalent to 10%. Most banks can continue to spend by credit card within 10% of the limit.

2. Generally speaking, the charge amount of credit card overrun fee is usually 5% of the credit limit. The minimum overrun fee for RMB account is 10 yuan, and the maximum overrun fee is 200 yuan.