When we use a credit card to spend money, we may sometimes encounter the situation that we can't spend money. This may be caused by the following reasons:

1. Insufficient credit card quota: the available credit card quota is the upper limit that limits our consumption. If the available credit card quota is insufficient, we can't spend money.

solution: you can contact the customer service of the bank to apply for a temporary or permanent increase in the credit card limit.

2. The transaction is risky: if the credit card transaction is considered risky by the bank, in order to protect the cardholder's funds, the bank may block the transaction.

solution: you can try the transaction again or contact the customer service of the bank to get a specific solution.

3. Abnormal credit card status: If the credit card is frozen, stopped payment and other abnormal status, it will also lead to the failure to swipe the card successfully.

solution: you can contact the customer service of the bank to check the status of the credit card and apply for unfreezing or resuming normal use.

4. network failure or banking system maintenance: the network failure of the credit card reader or the maintenance and upgrade of the banking system may also lead to the inability to swipe the card.

solution: you can try to restart the credit card reader or wait for the banking system to return to normal, or contact the bank customer service for relevant solutions.

what is the credit card limit?

credit card limit, also known as credit card available limit, refers to the maximum amount of credit card that a cardholder can use. It is determined by the effective income and the guaranteed value of assets provided by the applicant during the application process. The credit card limit depends on the income level of the applicant and the value of the secured assets, that is, the higher the income and assets, the higher the credit limit. Therefore, applicants need to provide proof of income, payment records of provident fund and social security, and proof of asset guarantee. Asset guarantee can include fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.