Credit card holders can use certain funds outside the original credit card limit, that is, cardholders can swipe their cards outside the limit; However, banks have to charge a certain over-limit fee, and the credit card over-limit fee is 5% of the over-limit part. But it should be noted that:

1. Cardholders must apply for and open credit card services that exceed the credit limit;

2. If the cardholder has not opened the credit card over-limit service, he can open this function through customer service hotline, personal online banking and other channels.

3. The overrun part enjoys an interest-free period, but it must be fully paid off on the due repayment date, that is, the overrun part cannot be repaid according to the minimum repayment amount.

Credit card overdraft

Credit cards can be overdrawn, but credit cards have an available limit and can only be used within the limit, and the corresponding limit will be restored after repayment. However, if the credit card limit is not enough, there is still an over-limit emergency.

What do you mean the credit card is over limit?

Credit card overrun literally means exceeding the limit, that is, exceeding the maximum overdraft limit of your credit card. Not every bank has this limit, and the rules and charges for exceeding the limit are different.

For example, your credit card limit is 1000 yuan, but you have used 9000 yuan. If you want to spend 1, 654,38+0,000 yuan now, you need to use the over-limit amount. If there is no over-limit amount, you can only spend 1 0,000 yuan.

The bank card exceeds the limit, that is, it exceeds the maximum limit of bank card withdrawal and payment.

According to the Measures for the Administration of Bank Card Business:

Article 45

The issuing bank shall observe the following credit card business risk control indicators:

(1) The single overdraft amount of the same cardholder's personal card shall not exceed 20,000 yuan (including equivalent foreign currency), and the single overdraft amount of the corporate card shall not exceed 50,000 yuan (including equivalent foreign currency).

(2) The monthly overdraft balance of an individual card in the same account shall not exceed 50,000 yuan (including equivalent foreign currency), and the unit card shall not exceed 3% of the comprehensive credit line granted by the issuing bank to the unit. The monthly overdraft balance of the unit without comprehensive credit line for reference shall not exceed 654.38 million yuan (including equivalent foreign currency).

(3) The overdraft limit of foreign currency cards shall not exceed 80% of the cardholder's deposits (including the pledged amount of certificates of deposit). (4) The monthly average overdraft balance that newly occurs over 180 days (including 180 days, the same below) since the implementation date of these Measures shall not exceed 15% of the monthly average overdraft balance.

Article 46

The maximum overdraft period of quasi-credit cards is 60 days. The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft balance in that month.

Extended data:

According to the Measures for the Administration of Bank Card Business:

Article 24

Commercial banks should charge merchants the settlement fees for bank card acquiring business according to the following standards:

(a) hotels, restaurants, entertainment, tourism and other industries shall not be less than 2% of the transaction amount;

(two) other industries shall not be less than 65438+ 0% of the transaction amount.