Current location - Trademark Inquiry Complete Network - Overdue credit card - What if the credit card limit exceeds the limit?
What if the credit card limit exceeds the limit?

what about the credit card limit of ABC?

If the bank reports that this card exceeds the limit, it may be due to the following two reasons:

1. The amount spent exceeds the maximum credit limit of this card.

2. This consumption exceeds the single payment limit.

If the credit card exceeds the limit due to insufficient credit limit, you can change it for another card to pay; If it is because of a single payment limit, you can modify the payment amount this time and divide it into multiple payments.

Supplementary information:

1. Feedback from the bank. Solution:

1. Modify the bank card limit

When the bank card is limited, you can modify the limit. There are two main methods:

One is to bring the bank card and ID card to a nearby bank outlet to ask the staff to help modify the limit.

The other way is to log in to the online bank to modify it by yourself. Just log in to the personal online bank account and find the payment management, and then you can carry out related operations. However, this method is only applicable to customers who have already opened online banking accounts.

2. Switching payment methods

The bank card limit is to control your consumption, so when the bank card consumption is limited, you can choose another payment method to complete the consumption, such as changing the bank card or using the balance account.

3. Don't transfer too much money at a time

Bank cards will also have a limit when transferring money, which is to avoid risks caused by too large a transfer amount. Therefore, when transferring money with bank cards, don't transfer too much money at a time, or use multiple small transfers instead.

4. Get a high-limit bank card

If your bank card limit is low, you can also choose to get a high-limit bank card, which is also one of the most direct and effective ways to solve the limit.

2. How to lift the bank card limit

1. Take your bank card and ID card to a nearby bank outlet and ask the staff to help modify the bank card limit.

2. Log in to the online bank to modify it yourself. Just log in to the personal online bank account and find the payment management, and then you can carry out related operations. However, this method is only applicable to customers who have already opened online banking accounts.

Third, can you still receive money if the bank card is limited?

Generally, you can still receive money if the bank card account is limited. Often, the bank card limit limits the amount of users' transfer transactions, and most of them limit the amount of online transactions. If users operate through the bank counter, there is still no limit. The bank card limit does not limit the account collection, so users can still receive funds if others transfer money.

what should I do if my credit card exceeds the limit?

At present, almost everyone can use credit cards, but the attitude towards credit cards is like a white elephant, and we don't know much at all. Now let's briefly explain the subject.

the credit card limit is the amount that the bank matches according to personal information such as personal credit report, asset report, debt, etc. First of all, we should be clear that the credit card limit is not as large as we want, but is determined by the credit card center of the bank according to the comprehensive assessment of the individual. You can apply for a reduction or an increase, and the increase must meet the requirements of the increase. If it does not meet the requirements, you cannot apply for an increase.

1. What is the credit card limit? Let's analyze this problem from several aspects. The credit card quota of banks is divided into fixed quota and temporary quota, and each bank also has a reserve fund.

2. Fixed amount. Every credit card will give users a fixed amount after it is issued. When the fixed amount is used up, it is necessary to pay off the consumption amount before the repayment date.

3. Temporary limit, which depends on your credit card consumption. Generally, you will be given a temporary limit after using the credit card for 3 months, which is matched by the bank. According to your consumption, the repayment ability is uncertain. The temporary limit is generally 4 days to 6 days, which is normal for consumption and use, and no cost is incurred.

4. Take the Bank of Communications credit card as an example. Normal consumption, normal repayment, and no overdue. The Bank of Communications credit card center has a business called Enjoy Loan. If your Bank of Communications credit card usage has reached the threshold of loan, the Bank of Communications credit card will give you a enjoy loan business, which is generally more than twice the amount of your credit card. Of course, the amount is big data analysis. If you are in a good mood, give it a little. [yi tooth] [yi tooth ]

to sum up, no matter how big your credit card is, you can use it reasonably and normally, diversify your consumption, and repay in advance, so that your credit record can be maintained and your credit card will be increased.

what should I do if the credit card exceeds the credit limit?

As long as the credit card consumption is successful, the excess credit card limit will be included in the current credit card bill together, and the debt can be paid off before the repayment date. Generally speaking, 2% of the fixed amount is used for credit card overrun, but the overrun can only be used if the amount is insufficient when the user pays by swiping the card. Credit card advance cash does not support the overrun. Credit card overrun requires 5% of the amount exceeding the fixed limit as the overrun handling fee, and the amount exceeding the fixed limit also enjoys the interest-free repayment period, but it must be paid off in one lump sum.

Types of credit cards:

Credit cards, also known as debit cards, are credit certificates issued by commercial banks or credit card companies to qualified consumers. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

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

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card.

this kind of card can be divided into retail credit card and travel and entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

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. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card.

the gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

there are several reasons why the credit card transaction amount exceeds the limit. How to solve it?

when many friends swipe their credit cards, they are often prompted that the transaction amount exceeds the limit, but their credit cards are in a normal state and have not been blocked, frozen or stopped by the bank. So what are the reasons for this transaction amount exceeding the limit? What's the solution? Let's take a look.

Common reasons for the credit card transaction amount exceeding the limit:

1. The single/single-day transaction amount is limited. Many banks will set a single or one-day transaction limit for credit cards. If you check this set limit, the transaction will fail. In this case, it is suggested to call the bank to ask about the specific limit, and then split the transaction into multiple transactions, or change the payment method.

2. The credit card amount exceeds the transaction limit of the POS machine. Many UnionPay POS machines stipulate that the maximum amount of a single transaction is not more than 5, yuan, and some banks will also limit some merchants. There are two ways to solve this kind of situation, one is to split a large amount of money and carry out a small number of transactions, and the other is to change the payment method.

3. The payment method is limited. Generally, it is common to pay in China Unionpay Quick Pass, and China Unionpay Quick Pass has a small amount of confidential exemption and visa-free function. Many banks have different limits on this function. It is said that Ping An Bank and Guangfa Bank have a small amount of double exemption and a single-day limit of 3,, etc., and they also need to split small and multiple transactions in large amounts.

4. The available credit card amount is insufficient. Generally, the amount of a single credit card exceeds the current available credit card limit. For example, if you want to buy a mobile phone with a price of 3, yuan, there is only 2, yuan available in the card. Without the credit limit, 1 yuan will definitely not be able to make a successful transaction, and it will also prompt you that the transaction amount exceeds the limit. You can deposit the insufficient part into the credit card first, and then swipe the card after the credit limit is restored.

in addition, if the credit card is controlled by the wind, such as overdue, illegal use of the card, high debt, etc., it is difficult to remove the credit card transaction in this situation. It is necessary to pay off the debt, reduce the debt, and then develop a good habit of using the card to slowly remove the risk control. Everything will be easy if the risk control is lifted.

What should I do if the credit card amount exceeds the limit?

The part of credit card repayment that exceeds the limit is generally called "overpayment", and this part of the money is displayed in a negative form on the available limit of the credit card. For example, if you use the credit card to spend money in 1 yuan, but you return it to 5 yuan, then your next limit will be displayed as "-4 yuan". The money that exceeds the repayment amount will be stored in your credit card, which will not generate interest or handling fee. Generally, there are three ways to deal with this money:

First, cash withdrawal

Take out the excess money. However, this operation will generate a certain handling fee. Different banks have different charging standards, such as Guangfa Bank. No matter whether you withdraw cash at the ATM of Guangfa Bank or at its bank counter, no handling fee will be charged at this bank, inter-bank, local or collapsed areas, as long as you are in Chinese mainland. Other banks, such as Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, Huaxia Bank, etc., do not charge a handling fee if you handle the cash withdrawal business at the local ATM or at the bank counter, but if one of them does not meet the above conditions, a certain handling fee will be charged. Therefore, you should consult the bank where your credit card belongs for the specific handling fee.

2. Leave the money in the card

Pay with this card when you buy something. If the amount of money exceeded is not large, this method can be used, and using the money in the credit card for shopping will not generate interest and handling fees.

3. Leave the money in the card as the next repayment deduction

If you leave the money in the card without spending, it is equivalent to adding it to your loan amount, and give priority to deducting this amount when borrowing in the next period. In fact, this is the same as the principle of Method 2.

If your credit card will continue to be used and the amount of money paid back is not much, it is recommended that you keep the money in the credit card, because the credit card itself is designed for people to advance their consumption, and there will be no interest on saving money. On the contrary, a certain amount of handling fee will be paid for withdrawing cash.

spending this sum of money with a credit card will not generate interest and handling fees, nor will it affect your credit limit. In addition, I suggest that you choose a repayment method that is more suitable for your consumption during the next credit card borrowing and repayment period, so as to avoid the worry of overpayment.

usage

swiping the card with POS machine

swiping the card with POS machine is the most common way to use credit cards, and it is a way to swipe the card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's last name.

then, according to the issuing bank and the type of currency to be paid, select the corresponding POS machine, swipe the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank and pay, and input the corresponding amount. After receiving the information of remote payment, POS will print a receipt (at least two copies) for credit card payment, and the cardholder shall sign the receipt after checking that the information on the payment receipt is correct.

after checking the signature on the receipt and the signature on the back of the credit card (including the complete name and the basic handwriting), the operator will send the credit card and the payment receipt by swiping the card to the cardholder, and the swiping procedure on the POS machine is completed.

RFID card tapping

It is a new type of credit card use mode and a networking mode to tap the card on the RFID machine. When taking a card, the operator should first check the validity period of the credit card and the cardholder's last name.

Then, according to the issuing bank and the type of currency to be paid, select the corresponding card punching machine, input the corresponding amount, and lay the credit card flat no more than 1cm above the sensor. After the RFID machine senses the credit card, it will send out a signal sound, and then continue to operate the program. After the remote payment receives the information, the printer (if connected) will print out a receipt for card payment, but unlike the previous method, the cardholder does not need to sign, which is faster and more convenient than the previous method. At this point, the card tapping induction program on the RFID machine is completed.

manual sheet pressing

manual sheet pressing is usually used when there is no POS machine or no internet connection. The pressing operation must have a pressure-sensitive duplicate "direct purchase order" (at least two copies) and a telephone. The inspection before pressing the order is the same as that of the POS machine.

then, the operator prints the name and other information raised on the credit card on the purchase order with the credit card pressing device, and writes the information such as the amount and date, then calls the authorization hotline of the acquiring bank, reports the card information to apply for authorization, and writes the obtained authorization code on the purchase order, and then the cardholder signs it after confirming it is correct.

after checking the signature, the operator gives the cardholder a copy of the credit card and the purchase slip, and the manual slip pressing procedure is completed. Authorized calls are usually dialed immediately.

in some areas with poor communication or good credit discipline, it will happen that merchants will deliver the goods to complete the transaction after signing the card. Authorization will be completed in the future, but merchants are at risk of encountering credit cards (if customers use invalid cards to pay, they will not be able to find them immediately without applying for authorization codes immediately).

online payment

from the cardholder's point of view, online payment is considered to be one of the most risky payment methods of credit cards, because malicious people may use phishing, eavesdropping on network information, fake payment and other means to steal user information. When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc. After the input is completed, click Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has gradually improved, which has also blown up the trend of online consumption.

TV and telephone transactions

are similar to online payment, with information such as requirements, expiration date, Visa CVV2 code/MasterCard CVC2/ UnionPay CVN2, etc.

pre-authorization

pre-authorization is generally used to pay the deposit.