Ping An Bank's credit card limit cannot be used because of risk control. Risk control refers to risk control, which is a means of bank risk control. The purpose is to restrain customers with abnormal transactions or potential risks and further protect bank assets from losses.

For cardholders, if they are subject to bank risk control, they may face the following phenomena:

1. I often get calls from banks for verification. For example, after a large consumption, the bank staff will verify the authenticity of the transaction.

2. I often receive risk warning messages from banks, such as reminding cardholders not to cash out.

3. Credit cards cannot be withdrawn for a long time, which is probably related to risk control measures.

4. The credit card can't be traded beyond the limit suddenly, or the consumption limit is lowered, which is also related to the risk control measures.

What if the wind controls me?

If our credit card is controlled by the wind, we can solve it from three aspects:

1. Repay in full and on time to ensure that it is not overdue;

2. Diversified small consumption, remember not to spend large amounts;

3. Do installment business in time to provide more contributions for banks.

Ping An Bank Credit Card is the first credit business launched after Shenzhen Commercial Bank merged with Ping An Bank and changed its name to Shenzhen Ping An Bank. In addition to the basic functions of credit card, such as credit consumption and cash advance, it also has many unique functions to provide cardholders with all-round security protection covering "safe consumption, safe home and safe travel".

Ping An Bank Credit Card Center was established in 2000 and settled in Shenzhen Qianhai, 20 15. Upgrade to a credit card franchise with second-class legal personality and relatively independent operation. By the end of 20 18, 1 1, the number of cards in circulation exceeded 50 million.

Ping An Bank is one of the main business departments of China Ping An Group and an important part of the comprehensive financial service platform of China Ping An Group. As a trans-regional joint-stock commercial bank, Ping An Bank has a registered capital of 546 1 billion yuan and total assets of over10.3 billion yuan. Its head office is located in Shenzhen and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou.

What does it mean that the transaction amount of Ping An Credit Card exceeds the limit?

When using Ping An Credit Card, it shows that the transaction amount exceeds the transaction limit set by Ping An Bank, which may be that the total credit line of the credit card has been used up or the available line is insufficient. In addition, Ping An Bank upgraded the risk control of some merchant transaction types. When using a POS machine to swipe a card, if the prompt amount exceeds the limit, it may be that Ping An Bank has restricted the POS machine or such merchants.

Once the transaction amount exceeds the limit, we can try to solve it through the following ways:

1. Pay in multiple installments;

2. Bring my ID card and bank card (credit card) to the bank for modification or cancellation;

3. Log in to online banking, modify or cancel the transaction amount, etc.

Generally speaking, if the prompt amount exceeds the limit, you can either swipe your card with a POS machine or spend it with other merchants. In short, after the limit appears, the transaction will become impermanent. Please choose other payment methods for consumption.

What does it mean that the transaction amount of Ping An credit card (debit card) exceeds the limit?

Ping An credit card (debit card) will be reminded when it exceeds the limit for the first time, and then it can be used normally. In addition, Ping An Bank also upgraded the risk management and control of some merchant transaction types. When using a POS machine to swipe a credit card (debit card), if the prompt amount exceeds the limit, it may be that Ping An Bank has imposed a POS machine limit or a running limit on such merchants.

Generally speaking, if the reminder amount exceeds the limit, either use the POS machine to swipe the credit card (debit card) or find a merchant to spend. In short, the transaction will run indefinitely after the restrictions appear. Please choose other payment methods for consumption.

Ping An Bank's credit card cannot be overused.

Ping An Bank's credit card limit cannot be used because of risk control. Risk control refers to risk control, which is a means of bank risk control. The purpose is to restrain customers with abnormal transactions or potential risks and further protect bank assets from losses.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

According to the 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.

What happened when Ping An Credit Card 6000 exceeded the limit 1600?

The credit line of Ping An Bank's credit card has been used up, and the available credit line is insufficient, resulting in the prompt transaction line exceeding the limit. In this case, the cardholder needs to repay the credit card before using the credit card limit again;

2. Ping An Credit Card has set a limit for single consumption or single-day consumption. In this case, it is necessary to adjust the limit or replace the bank card for payment;

3. When using a credit card, the bank detects that there are security risks in the trading environment, which limits the transaction amount. In this case, you need to contact the bank to cancel the risk control;

4. The transaction amount of the credit card in a certain payment channel has reached the upper limit and cannot be used. In this case, the payment method needs to be changed.

When using a credit card, if the transaction amount exceeds the limit, users are advised to contact the bank first to find out the specific reasons and then solve the problems according to different problems.

Why can't Ping An Credit Card exceed the limit?

Ping An Credit Card can exceed the limit, which can only exceed 10% at most, but the comprehensive evaluation results of the system shall prevail. If Ping An Credit Card suddenly cannot exceed the limit, it is probably because it has been used before and has not been returned. You can check whether the credit card has a negative limit.

In addition, the cardholder's personal debt is high, or the credit card is overdue, and the credit card is not used for daily consumption as required. The system thinks that the cardholder's risk is too high, and will control the risk of the credit card, and it is not allowed to exceed the limit.

Ping An Credit Card Fee Information

Over-limit fee: the over-limit fee is charged at 5% of the over-limit part, with no minimum and maximum limit;

Late payment fee: 5% of the unpaid part of the minimum repayment amount, and the minimum charge is RMB 20 yuan;

Peer withdrawal fee: 2.5% of the transaction amount, minimum 25 yuan;

Inter-bank cash withdrawal fee: 2.5% of the transaction amount, minimum 25 yuan;

Peer overpayment recovery fee: 0.5% of the transaction amount, and the minimum RMB fee is 5 yuan;

Cross-bank overpayment of recovery fee: 0.5% of the transaction amount, and the minimum RMB fee is 5 yuan;

The cost of replacing the card due to damage or degaussing is 15 yuan;

Courier fee (optional) 20 yuan;

Handling fee for reissue of statement: RMB 10 yuan will be charged every month after the third installment is free;

Loss of card reporting fee 60 yuan;

Reset password letter 20 yuan;

20 yuan for obtaining domestic purchase orders;

Application conditions

All natural persons who have reached the age of 18, have full capacity for civil conduct, have a stable and legitimate source of income and have a good reputation can apply to the card issuer for a personal credit card master card with their valid identity documents and other documents required by the card issuer.

Personal card holders can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall take full responsibility for the debts incurred under the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.

Credit card repayment method:

In the issuing bank, this method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

Weizhong Bank POS mobile phone Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

Transfer/remittance repayment is mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

Common online platforms for online repayment in China include UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Choose different platforms and banks, and the charging standards and specific arrival time are different.

Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.

Counter repayment refers to the bank card issued by various networked financial institutions, and the RMB current deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Trading Center.

Xinfutong Repayment "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by the financial services provided by China UnionPay's inter-bank information exchange network.

Repayment Pass uses "Repayment Pass" for repayment, and generally charges fees according to the charging standards for inter-bank transfer in the same city and inter-bank remittance in different places stipulated by the local people's bank.

In addition to the above methods, the issuing bank has also opened its own repayment methods in order to facilitate the cardholder's repayment.

This is the end of the introduction about why Ping An Credit Card exceeds the limit and why my Ping An Credit Card cannot exceed the limit. I wonder if you have found the information you need?