The bank card exceeds the daily limit, which mainly means that online banks have a limit for each payment. Once the payment amount exceeds the limit, it cannot be paid successfully. Due to the differences in credit rating and capital adequacy between banks and financial institutions, the limits of different bank cards are not the same. The limit in the bank card is the maximum amount of a single transaction at the time of payment and the highest amount of expenditure per month.

when using bank card shortcuts or online banking transactions, in order to improve the security of funds, it is necessary to set a number limit, for example, there is a limit on the amount of a single payment every day and the amount of a monthly payment. The purpose of this is to have a reminder when there is a large amount of funds flowing out, which undoubtedly ensures the legitimacy of each consumption and increases security. The main reasons for exceeding the limit of bank card transaction amount are: the credit line of credit card has been used up, the available line is not enough, and the balance of bank card is insufficient; The transaction amount of the card in a certain payment channel has reached the upper limit; When spending by credit card, the bank detected the existence of risky transactions, thus limiting the transaction amount; The customer has set the limit of a single transaction by himself, and will receive the prompt if the limit is exceeded.

in terms of specific solutions, cardholders can pay in a single small amount and in multiple installments, or they can use payment intermediaries such as AliPay, Tenpay and WeChat payment through third-party payment, and recharge the limited amount of money into the payment tools each time and in multiple installments.

Why is the bank card limited?

The bank card limit refers to the maximum limit set by the bank for a single transaction and the maximum monthly expenditure. In order to improve the security of funds when users make quick payment with bank cards or conduct online banking transactions, banks usually set a number limit to ensure the legitimacy and rationality of each user's consumption and increase the security of using cards. Different types of bank cards will have different limits. There is no limit on Class I card transactions under the name of an individual, but only one card can be opened under the name of each individual. For Class II households, the daily limit for entering and leaving accounts is 1, yuan each, and the annual cumulative limit is 2, yuan each. The balance of Class III household accounts shall not exceed 2, yuan, and the daily cumulative limit of consumption shall be 2, yuan, and the total annual cumulative limit shall be 5, yuan.