The protection limit of debit card refers to 1, and the user information reserved by the bank is not perfect. For example, the user certificate has expired and the user information is incomplete. Many banks' systems regularly screen out such customers and restrict non-counter business in batches. Therefore, when replacing a new ID card, you must update the bank reservation information in time.

2. The use of bank cards by users is not standardized. When the user uses the savings card, the daily transaction triggers the early warning of the bank's anti-money laundering and anti-fraud risk control system, which is easily restricted. For example, I keep swiping pos machines to cash in credit cards, participating in illegal activities such as Taobao swiping or online gambling, and buying and selling virtual currency.

3. The bank card is not used for a long time and its status is abnormal. For example, if there is no transaction for six months after the card is opened, the counter transaction will be restricted. If the bank card is not used for a long time, the account balance is small, and it will be restricted when it is in sleep.

4. The user has set a limit. Savings cards can be set according to users' own needs. If the user sets a limit of 2000 yuan, once it exceeds this limit, it will be restricted.

5. The savings card is a second-class card. The second-class card is different from the first-class card, and there are certain restrictions when using it. The daily cumulative limit for transferring and depositing cash into the unbound account of Class II card is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan.