1 It may be caused by insufficient credit limit on the credit card. The credit limit on the credit card is not enough to pay the current bill or the remaining credit limit on the credit card cannot complete the payment. Often when a user's consumption exceeds the maximum credit limit of a credit card, it will appear that they are unable to continue consumption.

2 The user has adjusted the daily credit limit of the credit card. For example, the maximum daily credit limit of the credit card is set to 1,000 yuan. When the user's consumption exceeds 1,000 yuan, the payment will not be successful, prompting The credit card's spending limit for the day is exceeded.

Generally speaking, there is no daily limit for credit cards. As long as it is within the limit of the credit card, the cardholder can swipe it all in one day, in one stroke, or slowly. There is no limit on the limit. If the cardholder wants to control the daily amount of card swiping, he or she can also set a daily limit on the bank's online banking or at the counter. Credit card limits are often caused by three aspects. One is man-made, the other is set by the bank, and the other may be the POS machine limit.

1. Artificially set limits

Some cardholders are afraid that there will be no limit on credit card swiping, or they are afraid that their credit cards will be stolen, so they set the credit card swiping limit through credit card online banking. It is a single transaction limit, or it can be the total transaction limit of this card. No consumption is allowed beyond this limit.

2. Banks set limits

Some banks will set a single transaction limit or a daily cumulative payment limit for credit cards. No more transactions will be allowed if this limit is exceeded. For example:

China Construction Bank: The account payment limit set by China Construction Bank is: the single and daily cumulative payment limit is 1,000 yuan. The limit for Alipay credit card merchants is a single transaction and a daily cumulative limit of 5,000 yuan.

Ping An Bank: The single amount of credit card consumption shall not exceed 10,000 yuan. If you need to make a large-amount single purchase, call customer service two hours before checkout to ask the bank to allow large-amount single purchases, or you can only pay by swiping your card in installments.

ICBC: When using the Peony Credit Card for overdraft consumption, a single overdraft cannot exceed 20,000 yuan. The details are subject to the settings of each branch or POS machine. The limit for Alipay quick payment is 10,000 yuan per card.

Bank of China: Great Wall Credit Card does not have a single consumption limit, but the cash withdrawal limit is 50,000. The online consumption limit can be set for free by yourself, which can be achieved through WeChat.

Guangfa Bank: The single transaction limit of Guangfa Bank can be set by yourself.

3. POS machine transaction limit

In order to prevent credit card cashouts, payment companies have strict limit standards for credit cards. Generally, the single transaction limit for hand-swiped POS machines is 50,000 yuan, and the maximum in a single day The limit is 200,000 yuan; the single transaction limit for large-value POS machines is 50,000 yuan, and the maximum single-day limit is 200,000 yuan, which varies among different brands.

So, what should I do if the credit card prompt exceeds the limit?

1. In the first case, the cardholder can log in to online banking to modify the transaction limit, but it should be noted that the limit must be within Within bank limits.

2. In the second case, the bank has a limit. If a single payment exceeds the limit, you can divide the transaction into multiple card swipes; if the daily cumulative transactions are limited, you can only make another payment the next day. Brushed.

3. In the third case, regarding the POS machine limit, please refer to the bank’s limit practice.