1. Credit card overage generally has no impact, as long as the cardholder repays on time. Under normal circumstances, the bank will charge an over-limit fee, which is usually calculated at 50,000 per day, until the user pays off all the over-limit. Many banks have set over-limit limits for credit card over-limits. Generally, 10% of the credit limit can be charged. .

2. After the credit card is overused, the cardholder is required to pay it off in one go or in advance on the repayment date; this overage limit does not allow installment repayment, and the excess principal and interest will accrue. All needs to be paid off. If users cannot repay in time, they should use it with caution to prevent overdue payments later.

3. In the process of using credit cards, many banks also stipulate that the limit cannot be exceeded. If the credit limit is exceeded, it cannot be used. This needs everyone's attention. Banks that can swipe more than 10% include Industrial and Commercial Bank of China, Shanghai Pudong Development Bank, China Guangfa Bank, China Minsheng Bank, etc.

4. In fact, if the limit is not enough, users can directly call the credit card customer service hotline and apply for a temporary limit from the bank. After the temporary limit is increased, consumption needs can be met. The temporary limit must also be paid back in one lump sum when repaying the loan, but interest will not accrue after use.

1. What is the credit card limit:

The credit card limit, also known as the credit card available limit, refers to the maximum amount that can be used by the credit card you hold, which includes the credit limit (i.e. The maximum overdraft limit that a credit card can use) and the amount of money deposited into the credit card.

The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

2. Usage skills:

1. Continuous and frequent card consumption

Persistence means that after you have a credit card, you must persist in long-term card consumption. It is best to If the credit card consumption limit is generated every month for more than three consecutive months, do not use it for a period of time and then freeze it for a long period of time.

Frequency means swiping credit cards wherever possible, regardless of the amount. The more times and merchants you use, the better. If you swipe cards all at once, it will be easy for banks to think you have a credit card. It is difficult to raise the amount due to suspicion of cash withdrawal.

2. Pay attention to the amount of credit card swiping and the temporary limit increase

Pay attention to the amount of credit card swipe and make full use of the temporary limit increase.

3. Persist in applying and seize the opportunity to apply

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension

Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that you can easily gain room for negotiation and maneuvering.