At present, most bank credit cards can set transaction limits. If the credit card prompts to limit consumption, it is recommended to check whether the transaction limit is set first. If this is the case, you can modify the limit by logging in or turn off the limit yourself to use it normally. This function mainly plays a role in protecting the safety of funds and preventing excessive losses when swiping cards. When your spending exceeds or approaches the limit, the card will have a spending limit.
2. The use of credit cards is not in compliance.
According to the regulations, credit cards can only be used for normal consumption. But many people often swipe their cards in wholesale stores, which may be limited by the system. If this is the case, please stop trading in wholesale stores and swipe your card in other individual stores to maintain a rich form of swiping your card. After some time, we will see if we can lift the restrictions. If it is still limited, we should contact the customer service of the issuing bank for consultation.
3. Credit card transactions are risky.
There may be risks in a transaction, which will trigger the risk control system of the bank and lead to the failure of the transaction. Common situations include swiping cards at POS machines, merchants blacklisted by banks, and sudden overseas transactions without registration. In this case, it can be consumed by another merchant. If it is in consumption abroad, some banks need to register by phone in advance, which is also a way to ensure the safety of credit card funds.
4, the transaction equipment failure problem
If there are problems in the trading system, such as network delay, equipment problems, etc. You can swipe your card later.
Credit card restricted business card printing means that the use of credit cards is frozen, there may be theft or abnormal use, or overdraft is overdue until it is paid off. There are also cases where the card status is abnormal and the credit card does not support transactions.
Reasons for credit card restrictions: First, the status of the card is abnormal. If the card is demagnetized and the password is locked due to too many wrong input times, it is recommended to call the banking service hotline for confirmation; Second, there is no problem with the card, and the POS signal is not good. If you are not connected to the internet, the transaction will also fail; Third, if you hold an IC chip credit card, because UnionPay has turned off the downgrade transaction function, if the cashier still operates the transaction by swiping the card instead of inserting the card, it can't be used either; Fourth, the card does not support transactions. For example, visa /jcb single logo cards do not support UnionPay transactions, nor do they support some online transactions.
Credit cards are restricted for several reasons: first, the bank suspects that you are cashing out. If you often brush a number of large integer sums on the merchant's pos machine, or make a large number of repeated online payments on an IP in a short time, the bank is likely to judge that you are suspected of theft, and it is likely to limit your consumption quota by some means to avoid possible losses. Second, credit card balance and other issues. The problems of the credit card itself include insufficient credit card balance, consumption exceeding the single (or daily, monthly) limit, and the suspension of the credit card. In this case, there will also be a phenomenon that credit cards cannot be paid.