① The credit card exceeds the single limit.
(2) The daily consumption exceeds the daily limit.
③ The number of swipes on that day exceeded the limit.
④ The credit card amount has been set on the POS machine.
⑤ The credit card amount exceeds the available amount.
⑥ Ask the Bank Card Center for help.
2. Available credit card limit = credit card credit limit+own funds. Your credit card limit is 654.38+00000 yuan, and you can spend 20000 yuan with your own funds of 654.38+00000 yuan.
Third, if there is consumption or overdraft, the bank will give priority to paying its own cash, and the bank will not give priority to the credit card line for the sake of safeguarding the interests of customers.
4. If the available credit card limit is all credit card limits, and the self-owned funds are zero, after the current consumption and overdraft cash withdrawal, the consumption will be repaid first, and the cash withdrawal will be listed later.
For example, your statement date is 16 every month, and you overdraw 1000 yuan on the 3rd, and then spend 2,000 yuan by swiping your card on the 6th, and then deposit 1500 yuan in your card. The default value of the bank is: 1500 yuan repayment consumption. If you want to enjoy interest-free treatment.
You also need to deposit 500 yuan in the card; For overdraft withdrawal, interest is charged at a daily rate of five ten thousandths, so it will be paid back after consumption.
Extended data:
According to different card issuers, it can be divided into bank cards and non-bank cards:
(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly.
Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to different card issuers, it can be divided into corporate cards and personal cards:
(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
(2) 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. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of the cardholder, such as credit standing and status, it can be divided into ordinary cards and gold cards:
(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status.
The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Baidu encyclopedia-credit card