Some banks don't have a single spending limit. If your credit card (debit card) appears the words "single consumption exceeds the limit" when swiping the card, then your credit card (debit card) has a single limit.
1. The customer has set a one-time consumption limit. Some bank credit cards (debit cards) can set a single consumption limit. If this is the reason, the cardholder can call the bank customer service to ask for modification.
3. Because the customer's bad card records are monitored by the bank, the bank limits the amount of single consumption. For example, some people will try to cash in the interest-free period of credit cards (debit cards) to do business. In fact, this bank can be monitored.
China Construction Bank: The account payment limit set by China Construction Bank is a single payment 1 1,000 yuan, which is paid cumulatively every day. Alipay credit card (debit card) is limited to a single merchant, with a daily cumulative limit of 5,000 yuan.
Ping An Bank: The single amount of credit card spending shall not exceed 1 10,000 yuan. If you need a large amount of single consumption, call customer service two hours before checkout to ask the bank to open a large amount of single consumption, otherwise you can only pay by credit card several times.
ICBC: The overdraft consumption of Peony Credit Card cannot exceed 20,000 yuan. Specific to each branch or pos machine settings shall prevail. The limit of Alipay express payment is RMB 10000 per card.
Bank of China: Great Wall Credit Card (debit card) does not set a single consumption limit, but the withdrawal limit is 5,000, and online consumption limit can be set free of charge, which can be realized through WeChat.
Guangfa Bank: You can set the single limit of Guangfa Bank by yourself. Step: 1. Log in to mobile banking, and select "Credit card (debit card) security settings to manage single transaction limit with one button"; 2. Set aside a mobile phone to send short messages to 95508 for processing; 3. Call 95508. Post-certification application progress inquiry, card password service, card usage setting, transaction limit management, single limit.
The advantage is to control the blind consumption quota. If people have impulsive consumption habits, a single consumption limit or a daily cumulative consumption limit can help cardholders control their consumption. If the credit card (debit card) is stolen, it can reduce the loss, which is the biggest advantage of the consumption limit. The disadvantage is that the consumption limit is not enough when buying large items, and there is also the dilemma of credit card limit.
Therefore, when we use credit cards, we need to know in advance whether there are any restrictions on the types of cards we hold and how many, so as to be aware of them.
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What does the credit card spending limit mean?
Consumption limit refers to the maximum amount that the bank allows you to spend after evaluating your property and other information. Quota usually refers to the maximum quantity that can be used.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Why is there an upper limit on credit card consumption?
The bank card limit we usually refer to refers to the daily limit of the bank card. After the bank card is limited, it will be resumed the next day.
It is usually released after 24 o'clock that day.
If the daily consumption exceeds the daily limit and there is a limit, there is no way to cancel it on the same day, but it can only be cancelled automatically the next day.
Yes However, if the daily consumption is often high, in order to avoid the trouble caused by the regular quota, the daily consumption quota can be increased in advance.
The process of increasing the daily consumption quota of different banks is slightly different, but it is nothing more than a model:
1, go directly to the bank counter and remember to bring your ID card and bank card;
2. If online banking is enabled, it can be handled online;
3. You can also call the customer service phone of the bank and provide relevant information for processing.
Bank card limit refers to the maximum amount of a single transaction and the accumulated amount in a single day for the safety of users' funds.
Restrict.
Payment limit of China Bank: 65,438+00,000 for a single payment, 65,438+00,000 for a single day and unlimited for a single month.
Payment limit of Agricultural Bank: single payment 10000, single payment 10000, and monthly payment of 300000.
Payment limit of ICBC: single payment 10000 yuan, single payment 10000 yuan and single payment 10000 yuan.
Payment limit of Bank of Communications: single payment 10000, single payment 10000 and single payment 10000.
Payment limit of China Construction Bank: single payment 10000, single payment of 50000, and single payment 10000.
Payment limit of Ping An Bank: 50,000 yuan in a single payment, 50,000 yuan in a single day, unlimited in a single month.
There are many factors in the credit card limit, one is the bank limit, and the other is the cardholder's own limit, so the recovery time after being restricted is different.
First, the bank limit:
1. If it only exceeds the bank's one-day consumption limit, it will generally be resumed the next day, but it still cannot exceed the one-day consumption limit, otherwise it will be re-restricted, so the card can only be resumed the next day.
2. If the limit is imposed because of the bank's risk control, such as overdue repayment or cash withdrawal, it will not be so easy to recover. If you don't want to recover it within the time limit, you must pay off the arrears and apply to the bank; If the cash is limited, you need to provide various consumption vouchers to dispel the bank's doubts and prove that you are not cashing in. These banks need to spend a certain amount of time to review, and they will not resume until they are approved, but it usually takes 1~3 working days.
Second, the cardholder restrictions
If the cardholder sets a trading limit for the credit card, it is impossible to trade beyond this limit, and this limit is easy to recover.
As long as the cardholder goes to official website to modify the transaction limit, he can immediately resume using it after the modification is successful.
What is the credit card limit?
There are high and low credit card quotas, and different credit card grades correspond to different quotas. For users who apply for a credit card for the first time, the amount is usually relatively small. What is the credit card limit?
The credit card limit is between 2000 yuan and 5000 yuan; The gold card amount is between 5,000 yuan and 20,000 yuan; The amount of platinum card is between 20,000 yuan and 50,000 yuan; The amount of diamond cards is more than 50,000 yuan, and some diamond cards even exceed 6,543,800 yuan.
1, Puka. Ordinary users apply for credit cards for the first time, usually ordinary credit cards. When applying for a credit card for the first time, try to choose a local commercial bank, because the probability of applying for a card is relatively high, and the review is looser than that of the four major state-owned banks. The credit card replenishment amount is usually low, generally only between 2000 yuan and 5000 yuan, and the specific credit card amount can only be determined after application.
2. Gold card. At that time, users with credit cards often used credit cards to spend and repay on time. Usually about three months, the bank will upgrade the ordinary credit card, that is, the Puka will be upgraded to a gold card. Generally, the amount of gold cards for credit cards is between 5,000 yuan and 20,000 yuan, and the regulations of each bank are different, but the difference is not very big.
3. Platinum card. Credit card platinum card is higher than gold card. Generally, the amount of a platinum credit card is between 20,000 yuan and 50,000 yuan. When the user holds a credit card and the gold card repays on time, and the consumption amount is high, the banking system will upgrade the credit card to a platinum card, giving the cardholder more access and consumption amount.
4. diamond card. General diamond card is the highest level of credit card. The credit limit of a diamond card is usually above 50,000 yuan. Some banks will set the credit limit of diamond cards at more than RMB 654.38+10,000, and upgrade them to diamond cards through platinum cards. If you want to upgrade to a diamond card, you must have good personal credit, strong spending power and repayment ability, and you can take the initiative to contact the bank customer service to apply for upgrading.
What does the credit card spending limit mean?
The consumption limit is generally a credit card limit, but it can also be a daily limit set by the user.
Every credit card has a limit. Limit means that if your credit card exceeds the limit of the credit card itself, it will be restricted and cannot be consumed. This situation is the limit.
The credit card limit is determined according to everyone's qualification. When you apply for a credit card, you will submit relevant personal information, and the credit card center will review it according to your own situation, and then issue the credit card limit. Under normal circumstances, customers with stable jobs and good credit information will have a relatively high credit card limit, and vice versa.
Ordinary customers form a good habit of using credit cards in their daily lives, increase the diversification of credit card consumption, and repay in full on a regular basis. The bank will increase the credit card limit according to the usage. According to the regulations of the central bank, the credit card consumption of ordinary cards shall not exceed 20,000 yuan, and the platinum card shall not exceed 50,000 yuan.
Credit card limits of various banks
1. China Construction Bank: the single and daily cumulative payment limit is 1000 yuan, and the limit for special merchants of Alipay credit card is 5,000 yuan.
2. Ping An Bank: The single amount of credit card consumption shall not exceed 1 ten thousand yuan. If you need a large amount of single consumption, call customer service two hours before checkout to ask the bank to open a large amount of single consumption, otherwise you can only pay the bill by credit card several times.
3. Industrial and Commercial Bank of China: overdraft consumption, single overdraft can not exceed 20,000 yuan, and Alipay fast payment limit is 1 10,000 yuan per card.
4. Bank of China: Great Wall Credit Card has no single spending limit, but the cash withdrawal limit is 5,000. Online spending limit can be set free of charge and can be realized through WeChat.
5. Guangfa Bank: The single limit of Guangfa Bank can be set by itself. Steps: Log in to the mobile banking, select "Credit card security setting one-click management limit for single transaction", reserve a mobile phone to send a short message to 95508 for processing, and then dial 95508.
The credit card spending limit is 5000 yuan. Is this once a month or once a day?
Not every day or every month, the credit card consumption limit of 5000 refers to the accumulated overdraft consumption of 5000 yuan. If it exceeds 5,000 yuan, it is impossible to continue to overdraw consumption, which is the saying that "the card is maxed out".
Overdraft limit generally refers to the maximum amount that a credit card can overdraw. The overdraft limit is related to the credit of the cardholder. The stronger the repayment ability, the higher the credit and the higher the overdraft limit.
Extended data:
Credit card common sense
1. Credit card bill
The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you. This date is your credit card bill.
2. Credit card repayment date
For credit card non-cash transactions, the interest-free repayment date is from the bank bookkeeping date to the due repayment date.
3. Credit card security code
Credit card security code is the security code of credit card for online or telephone transactions. Generally, it is a 3-digit or 4-digit number printed on a credit card, and the printing position of different types of cards will be different. It is usually used to prove that the payer has a credit card at the time of transaction, thus preventing credit card fraud.