1. If the credit card consumption reaches the single-day limit and the consumption is restricted, the limit will be restored the next day. When the single consumption limit of a credit card is reached, the user can reduce the consumption limit, and the limit will be lifted when the next consumption is made. If the credit card is restricted due to overdue repayment, suspicion of cashing out, etc., as long as the problem is solved, the debt is paid off or the consumption voucher is submitted to prove that you have not cashed out, then the restriction will generally be lifted in a few working days. If the system determines that the loan is maliciously non-repaying because it is overdue for a long time, or if the bank reminds you many times that you are still suspected of cashing out, it will be difficult to lift the restriction. Generally speaking, as long as users use credit cards in accordance with regulations and repay on time, even if the risk control is occasionally triggered, it can be lifted quickly.

2. The situation when a credit card is idle for transactions is as follows:

1. The credit card transaction amount exceeds the set limit

Nowadays, most bank credit cards can set transactions Limit limits, such as how many transactions can be made per day, what is the transaction limit, or what is the total transaction limit within a billing cycle. This function mainly plays a role in protecting the safety of funds and preventing excessive losses during theft. If the cardholder has set a transaction limit, he can log in to online banking or mobile client, modify the limit limit there, or close the limit, and then he can use it normally. After swiping the card, you can also modify the limit to ensure the safety of credit card funds.

2. The credit card limit was reduced by the bank

Due to various reasons, the credit card limit was reduced by the bank, but the bank did not notify the cardholder. For example, if the original credit limit of a cardholder is 20,000, if the cardholder has overdrafted 10,000, the remaining limit will be 10,000. But the bank suddenly reduces the credit card limit from 20,000 to 10,000, so the remaining limit is 0. When the cardholder swipes the card to make a purchase again, the transaction will not be possible. In this case, the cardholder needs to call the bank to ask the reason for the reduction and see if he can apply to restore the limit.

3. The use of credit cards is not compliant

According to regulations, credit cards can only be used for normal consumption, but many cardholders often swipe their cards at wholesale merchants. After too many times, they will Being restricted by the system to transactions in certain categories, especially wholesale merchants. For example, it is no longer possible to swipe cards at wholesale merchants; or the amount of a single transaction is limited. A friend of mine’s Minsheng Credit Card was deprived of credit due to too many transactions at wholesale merchants. The amount of single consumption is limited to 5,000 yuan.

4. There are risks in credit card transactions

A certain transaction may have risks, triggering the bank's risk control system, causing the transaction to fail. Common situations include swiping cards at the POS of merchants that are blacklisted by banks, sudden overseas transactions without registration, etc.

5. Transaction equipment failure problem

If there is a problem with the transaction system, such as network delay, equipment problems, etc., generally you can just swipe the card again after a while.