As the name implies, the over-limit limit means that the cardholder swipes the card more than the credit card limit, which is allowed by the bank. Of course, there will be regulations on the over-limit ratio, and different banks may have different regulations. Let me take Guangfa Credit Card as an example.

How much can Guangfa Credit Card exceed the limit?

The maximum amount can exceed 10% of the fixed amount. Of course, excessive use of Guangfa Credit Card will not affect personal credit information, nor will it charge excessive fees. Cardholders can repay on time according to the bill amount.

Provisions on the over-limit limit of Guangfa Credit Card:

1. This function is valid for all cards under the cardholder's name;

2. Excess can only be spent by credit card, and cannot be withdrawn;

3. The limit exceeds 1 time in a billing cycle;

4. If it exceeds two consecutive billing cycles and needs to be repaid first, and the new bill is not exceeded in the card when it is settled, you can re-apply for opening the excess part.

If the available credit line of Guangfa Credit Card is negative, it means that the account has overspent, which may be caused by consumption or installment/interest deduction. Please note that although the bank provides an over-limit credit line, it is not recommended for cardholders to use it frequently, because the credit card is not conducive to cash withdrawal by credit card, and it will also increase the repayment pressure of cardholders.

That's all. I hope it helps you.