Exceeding the credit limit of ABC's credit card refers to exceeding the limit of consumption. General credit cards can only exceed the limit of 65,438+00%. For example, your credit card limit is 10000 yuan, and the maximum over-limit consumption can reach 1000 yuan.

In addition, the Agricultural Bank of China temporarily does not charge over-limit fees, and users can spend over-limit for free.

Overlimit fee refers to the fee that the cardholder needs to pay to the bank when the accumulated outstanding transaction amount of the credit card holder exceeds the amount approved by the issuing bank.

After the credit card exceeds the limit, it needs to be paid off in one lump sum, not in installments and the minimum repayment amount, so the cardholder needs to spend according to his repayment ability.