The bank card limit we usually refer to refers to the daily limit of the bank card. After the bank card is limited, it will be resumed the next day.

It is usually released after 24 o'clock that day.

If the daily consumption exceeds the daily limit and there is a limit, there is no way to cancel it on the same day, but it can only be cancelled automatically the next day.

Yes However, if the daily consumption is often high, in order to avoid the trouble caused by the regular quota, the daily consumption quota can be increased in advance.

The process of increasing the daily consumption quota of different banks is slightly different, but it is nothing more than a model:

1, go directly to the bank counter and remember to bring your ID card and bank card;

2. If online banking is enabled, it can be handled online;

3. You can also call the customer service phone of the bank and provide relevant information for processing.

Bank card limit refers to the maximum amount of a single transaction and the accumulated amount in a single day for the safety of users' funds.

Restrict.

Payment limit of China Bank: 65,438+00,000 for a single payment, 65,438+00,000 for a single day and unlimited for a single month.

Payment limit of Agricultural Bank: single payment 10000, single payment 10000, and monthly payment of 300000.

Payment limit of ICBC: single payment 10000 yuan, single payment 10000 yuan and single payment 10000 yuan.

Payment limit of Bank of Communications: single payment 10000, single payment 10000 and single payment 10000.

Payment limit of China Construction Bank: single payment 10000, single payment of 50000, and single payment 10000.

Payment limit of Ping An Bank: 50,000 yuan in a single payment, 50,000 yuan in a single day, unlimited in a single month.

There are many factors in the credit card limit, one is the bank limit, and the other is the cardholder's own limit, so the recovery time after being restricted is different.

First, the bank limit:

1. If it only exceeds the bank's one-day consumption limit, it will generally be resumed the next day, but it still cannot exceed the one-day consumption limit, otherwise it will be re-restricted, so the card can only be resumed the next day.

2. If the limit is imposed because of the bank's risk control, such as overdue repayment or cash withdrawal, it will not be so easy to recover. If you don't want to recover it within the time limit, you must pay off the arrears and apply to the bank; If the cash is limited, you need to provide various consumption vouchers to dispel the bank's doubts and prove that you are not cashing in. These banks need to spend a certain amount of time to review, and they will not resume until they are approved, but it usually takes 1~3 working days.

Second, the cardholder restrictions

If the cardholder sets a trading limit for the credit card, it is impossible to trade beyond this limit, and this limit is easy to recover.

As long as the cardholder goes to official website to modify the transaction limit, he can immediately resume using it after the modification is successful.

What is the credit card payment limit?

One restriction that may be more noteworthy is the one-day consumption restriction. Credit cards generally have a one-day or one-day limit, which will be restricted once they are used up; In addition, the limit triggered the bank's risk control, which led to the bank's active limit. For example, overdue or cash, it is not so easy to recover.

The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

From 65438 to 0952, Franklin National Bank of California, as a financial institution, issued bank credit cards for the first time, becoming the first bank to issue credit cards.

1959, Bank of America issued American bank cards in California. Since then, many banks have joined the ranks of card-issuing banks. In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world. In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.

What's with the credit card being restricted?

The amount paid by the user has exceeded the one-day limit or the current month limit; Merchants are merchants whose consumption is restricted, so there is a limit prompt when swiping the card; Credit cards are overdue, and they are subject to risk control by banks, so they will also be restricted.

According to the different card issuers, it can be divided into bank cards and non-bank cards.

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.

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 the different issuing banks, it can be divided into corporate cards and personal cards.

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.

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 cardholders, it can be divided into ordinary cards and gold cards.

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

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.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

So much for the introduction of why credit cards are restricted.