For example, if your credit card limit is 1000 yuan, you can overspend at most 1000 yuan. Overexpenditure 1 yuan, and the overrun fee of 1 yuan will be charged.
There is no problem of excessive consumption of credit cards. If your 1W credit line is insufficient, you can call the customer service telephone number of Bank of Communications (95559) to apply for a temporary increase in the credit line.
Extended data:
For credit card transfer, customers can apply for a temporary increase in the limit through telephone banking:
"Credit cards generally have an initial credit line, but this line is not a' lifelong system'. The line can be adjusted according to the actual situation, including permanent adjustment and temporary adjustment. " Ms. Huang, a staff member of a bank, said that if ordinary customers want to temporarily increase the credit line, they will mainly apply through telephone banking, and there will be an audit period, which can basically be handled in 3-5 working days.
It is understood that the credit card limit is determined according to the information filled in when an individual applies for a credit card and the relevant supporting documents provided. When the cardholder needs to use a higher credit line within a certain period of time, the bank can provide services to increase the temporary credit line, so that the cardholder can enjoy the convenience of flexible credit line. However, the temporary quota that is usually raised is time-limited, generally around 30 days.
After the specified time, the credit line will be transferred back to the original fixed line. In the process of consumption, the temporary credit line will be reflected in the bill like other consumption, and the cardholder only needs to repay according to the bill. After the temporary credit limit is increased, the part actually used exceeding the original credit limit will be added to the minimum repayment amount of the next statement.
People's Network-Pay attention to the "minefield" of temporary withdrawal of credit cards.