The following behaviors will limit credit card consumption:
1. Credit card transaction amount exceeds the set limit. Most bank credit cards can set transaction limits, which mainly plays a role in protecting the safety of funds and preventing excessive losses when swiping cards. If the user's consumption is limited for this reason, he can log in to the online banking or mobile phone client to modify the limit.
The credit card was deducted by the bank. Banks will regularly evaluate users' credit records, and for high-risk users, the limit may be appropriately reduced, which will bring inconvenience to cardholders to some extent. In this case, the cardholder can call the bank to ask the reason for the decrease and see if he can apply for the restoration of the quota.
3. The use of credit cards is not in compliance. Credit cards can only be used for normal consumption according to regulations. If users violate the rules such as cashing, they will be restricted by the system, for example, they cannot swipe their cards at wholesale merchants, or the amount of a single transaction is limited. If this is the case, users are advised not to cash out when using credit cards normally, and keep the transaction records.
4. Credit card transactions are risky. Because the risk of a transaction triggered by a user triggered the bank's risk control system, the transaction failed, such as swiping a card at a POS merchant blacklisted by the bank, unregistered sudden overseas transactions, etc. , users can try to switch to another merchant for consumption.
There are many reasons for the credit card consumption limit. Generally, improper daily use of bank cards or suspected violation of regulations are frozen by the banking system. In daily life transactions, once the user finds that the personal bank card is in an abnormal state and cannot be traded normally, he can contact the bank customer service at the first time, find out the abnormal reasons, ask for solutions, and go to the nearby bank outlets for treatment in time.