If the credit card shows that the consumption exceeds the limit of the day, it is probably because the customer has set the limit of the consumption of the day, and the total amount paid by the customer with the credit card has reached the limit, so it is impossible to swipe the card on the same day and can only be used tomorrow.

Of course, it is also possible that the merchant has set a collection limit and the credit card consumption has exceeded the prescribed limit. It should also be noted that if credit cards are bound to third-party channels such as WeChat and Alipay for fast payment, there will generally be a limit. For example, for small and micro businesses (without business license), the credit card single/single-day collection limit is 1000 yuan.

Types of credit card products

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

Why are there restrictions on credit cards?

Credit card is the normal state of people's daily consumption, and it can be said that credit card is one of the most commonly used payment tools. However, many people usually find that their credit card payment fails and is restricted.

First, prevent excessive consumption.

In order to prevent customers from overdrawing, banks often give credit card limits, which can also avoid many overdue phenomena.

Second, prevent brush theft.

Sometimes banks may detect that your credit card is at risk of being stolen, so in order to avoid losses, banks often give credit cards a line to prevent too many lines from being stolen.

Third, bank risk control.

Sometimes banks will carry out risk control, and for some customers with low safety factor, banks often restrict their credit cards.

Fourth, prevent cashing out.

Some people may cash out your credit card. Once your cash-out behavior attracts the attention of the bank, the bank will restrict your credit card in order not to let you cash out.

The verb (verb's abbreviation) is short of quota.

Sometimes your credit card may not be available because of insufficient credit limit.

6. There are arrears.

If your credit card has overdue debts, the bank will often give you a credit card limit to prevent you from overdue.

What does the credit card limit mean?

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's with the credit card being restricted?

The amount paid by the user has exceeded the one-day limit or the current month limit; Merchants are merchants whose consumption is restricted, so there is a limit prompt when swiping the card; Credit cards are overdue, and they are subject to risk control by banks, so they will also be restricted.

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

So much for the introduction of credit card limit.