Credit card transaction amount exceeding the limit means that when a cardholder uses a credit card to conduct a transaction, the transaction amount exceeds the limit that the credit card can bear. This situation usually has the following reasons:

1. Credit cards have daily consumption limits. If the transaction amount exceeds the maximum single limit of the day, the transaction will not be completed;

2 . Some transactions are regarded as high-risk transactions by the system. When the system detects such transactions, it will limit the transaction limit;

3. If the cardholder has previously overdue a credit card or has cashed out a credit card, the system will also This results in a limit on the amount of credit card transactions.

These restrictions are to protect the interests of cardholders and banks and prevent credit card abuse and fraud. When cardholders encounter a situation where the transaction amount exceeds the limit, they can contact the card-issuing bank to understand the specific reasons and try to solve it. Typically, cardholders can apply to increase their credit card limit or wait for a period of time before making transactions. It is important to use your credit card wisely and ensure that the transaction amount is within the credit card limit to avoid unnecessary transaction restrictions.

Will the credit limit increase if you use your credit card for a long time?

There is a certain relationship between credit card limit increases and usage conditions, and the limit increase times of different banks are also different. Generally speaking, the first limit increase usually requires using the credit card for at least 3 months, and the second limit increase can only be carried out some time after the last limit adjustment. In addition, the specific conditions for limit increase are also related to the type of credit card limit, including temporary limit and fixed limit. However, once a cardholder obtains a limit increase, it does not mean that the limit will be permanently increased. In fact, many people do not increase their credit limit even after using credit cards for a long time. This may be because their credit qualifications are not good enough or the cardholder's card usage behavior is poor.

Therefore, to obtain a limit increase, cardholders need to maintain a good credit record and healthy card usage habits. This includes making on-time payments, controlling credit card overdrafts, and avoiding frequently applying for new credit cards. Only if the cardholder can demonstrate good credit performance will the bank consider increasing the credit card limit.