different banks have different regulations on credit card over-limit swiping. At present, ICBC, Agricultural Bank, China Construction Bank and Shanghai Pudong Development Bank all support over-limit swiping.

ICBC's credit card holders can swipe their cards in excess, but they have to pay a certain fee. Take ICBC's Peony Double-arm Credit Card as an example, it will be charged at 5% of the excess credit limit. Under normal circumstances, the bank will give an appropriate limit to exceed the limit, which is controlled at 5%-1% of the original limit. Excess users need to pay off in one lump sum in the next period, and cannot pay by installment.

agricultural bank of China (ABC) credit card holders can use their credit cards beyond the original limit, and the same ABC will also charge an overrun fee of 5% for the overrun portion. Although the over-limit part has an interest-free period, it must be paid off in one lump sum on the repayment date.

Shanghai Pudong Development Bank Shanghai Pudong Development Bank's credit card will charge the cardholder 5% of the excess credit limit.