1. The usage limit of your credit card has been exceeded.

If it is a China Merchants Bank credit card, you can bind the China Merchants Bank credit card with WeChat/QQ and enter manual consultation. Or please call our customer service hotline and enter the account opening certificate number---query password---9 and enter manual help for you. Check whether a transaction limit has been set (or when entering the ID number to select the business type, the system will prompt you to tell the business you need to handle).

2. The common reasons for transaction exceeding the limit are as follows:

1. Exceeding the credit card single/single-day transaction amount limit

Yes For bank credit cards, there is a limit on the amount of a single transaction/single day. For example, the maximum transaction amount of a single transaction/single day with this card is 50,000. If you swipe 80,000 in one go, this "transaction over limit" message may appear.

Solution: Just pay a smaller amount. You can also call the card-issuing bank and ask the bank's customer service what is the maximum single/single-day transaction limit for this card. In the future, the card will be within the allowed range. That's it.

2. Exceeding the single transaction/single day amount limit of the card swiping machine

At the current UnionPay card swiping machines, when swiping credit cards, most of the single swiping transactions do not exceed 50,000 yuan. . If you swipe 80,000 yuan at once, even if your card can swipe 100,000 yuan in a single transaction, a "transaction over limit" message will appear.

Solution: Just swipe a smaller amount. You can also call the credit card machine service provider and ask about the single credit limit of this machine. As long as it is within the limit, it will be fine.

3. The amount of small-amount double-free card swiping exceeds the limit (the most common)

This should be emphasized because it is relatively common now.

The so-called "small amount without password and visa-free" means that when swiping a small amount (currently less than 1,000 yuan in each bank), when swiping the card on the UnionPay card swiping machine, you can use the NFC function to quickly pay. Do not lose at this time. Password and no signature are required to complete the transaction directly.

4. Insufficient balance when swiping the card

The available limit on the card is only 5,000. If you swipe 7,080 at once, the "Transaction Over Limit" message may appear. Some friends may want to argue with me about this. This is because the balance is insufficient, and the card swiping machine will directly prompt that the balance is insufficient. You are right, some card swiping opportunities will show "insufficient balance".

Solution: Just swipe the card within the available limit.