Reasons for insufficient credit card balance:

1. The available credit card amount is less than the paid amount.

2. Overdue repayment causes the bank to freeze the credit card account, which will show that the balance is insufficient. As long as there is overdue, the bank has the right to freeze the credit card.

3. If the repayment amount has not been restored, you will be prompted that the balance is insufficient. Only when the account is received can the amount be restored to the previous level.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

The credit card has a balance, but you can't swipe it to show that the balance is insufficient.

1. The credit card amount exceeds the available amount.

When using a credit card to swipe your card, if the credit card limit is insufficient to pay the consumption amount, you will be prompted that the balance is insufficient.

2. Credit card swiping is restricted.

If the credit card has a single limit, when the credit card limit exceeds the single limit, it will also prompt that the balance is insufficient; And if the credit card has a one-day limit, when the credit card consumption exceeds the one-day limit, there will also be insufficient balance.

Step 3 ban consumption

If the credit card is frozen and the credit card limit cannot be used, then when you swipe your card with the credit card, the credit card cannot be paid with the limit, which will show that the balance is insufficient.

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Improve quota skills

First, continuous and frequent credit card consumption

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, stick to application and seize the opportunity of application.

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.

4. Threaten to use the cancellation card or suspend sleep.

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

Credit card limit shows insufficient balance? It turned out that this balance was insufficient.

We usually pay by credit card when shopping, because the credit card itself has a limit for spending in advance. However, sometimes people's cards clearly have a quota but show insufficient balance, and sometimes there will be cases where there is a quota but they cannot withdraw cash. Then, why does the credit card have a limit to show that the balance is insufficient? I will answer your question today.

1. The credit card amount exceeds the available amount.

When the transaction amount paid by your credit card exceeds the available amount in your credit card, you can't pay it, which will show that the balance is insufficient.

For example, if you have 2,000 available lines in your card, but the transaction amount is 3,000 yuan, then when you pay for the transaction by credit card, it will naturally show that the balance is insufficient.

Second, credit cards are limited.

1. exceeds the limit of one day.

If you set a one-day limit for your credit card, when your credit card consumption exceeds the one-day limit, even if there is a limit, it will show that the balance is insufficient.

2. Exceeding a single limit

If you set a single credit card limit, like the single-day limit, when you spend more than the single limit, the limit will also show that the balance is insufficient.

3. Exceeding the monthly limit

If you set a monthly limit for your credit card, the reason for the insufficient balance is the same as the previous two points.

Third, the reason for the POS machine

If your credit card clearly has a limit, but the balance is insufficient when you trade, it may also be because of the POS machine.

For example, the POS machine is abnormal or the line is interrupted, or you set the upper limit of POS machine consumption for your credit card, and then the transaction exceeds the set amount, and so on.

The above is the question "Why does the credit card have a limit to show that the balance is insufficient?" The answer. If your credit card clearly has a limit, but the balance is insufficient during the transaction, it may be caused by the above reasons. If this happens, everyone must call customer service to find out what the reason is, so as to solve the problem.

Why does the credit card show insufficient balance when there is money to spend?

The answer is as follows:

First, the credit card has money, but the balance is insufficient when swiping the card:

① The credit card exceeds the single limit.

(2) the consumption on that day exceeds the one-day limit.

③ The number of swipes on that day exceeded the limit.

④ The credit card amount has been set on the POS machine.

⑤ The credit card amount exceeds the available limit.

⑥ Ask the Bank Card Center for help.

2. Available credit card limit = credit card credit limit Self-owned funds, your credit card limit is 10000 yuan, plus self-owned funds 10000 yuan, you can spend 20,000 yuan by credit card.

Third, if there is consumption or overdraft, the bank will give priority to paying its own cash, and the bank will not give priority to the credit card line for the sake of safeguarding the interests of customers.

4. If all available credit card limits are credit card limits and the self-owned funds are 0, after the current consumption and overdraft withdrawal, the consumption funds will be repaid first, and the withdrawal funds will be listed later; For example, your statement date is 16 every month, and you overdraw 1000 yuan on the 3rd, and then spend 2,000 yuan by swiping your card on the 6th, and then deposit 1500 yuan in your card. The default value of the bank is: 1500 yuan reimburses the consumer. If you want to enjoy the interest-free treatment, you have to pay. For overdraft withdrawal, interest of 0.5 ‰ is charged on a daily basis, so it will be repaid after consumption.

Data expansion:

According to different card issuers, it can be divided into bank cards and non-bank cards:

(1) 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.

(2) 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 different card issuers, it can be divided into corporate cards and personal cards:

(1) 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.

(2) 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 the cardholder, such as credit standing and status, it can be divided into ordinary cards and gold cards:

(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

(2) 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.

(Source: Baidu Encyclopedia: Credit Card)

This is the end of the introduction about why the credit card limit is insufficient and why the credit card consumption shows that the credit card failed. I wonder if you have found the information you need?