First, the temporary quota has expired. The temporary quotas of many banks are very easy to apply for. Some banks will even take the initiative to increase the temporary quota. If the temporary quota expires, the bank's quota will become a negative number, and then the quota may not be enough after the money is paid back. It’s the same, because the money you pay back must first be deducted from the temporary amount.

Second, the credit card limit is exceeded. Many banks have credit card over-limit functions. For example, after using up the normal credit card limit, China Guangfa Bank can still use an additional 20% of the limit. So if this happens, after the money is repaid, the excess limit will be deducted, and then the money repaid will be shown as a fixed limit.

Third, there is cash installment. For example, CITIC Bank has an off-card installment limit as a cash installment limit. If you use this cash installment limit to repay the money, the off-card installment limit will be deducted first. Only after the off-card installment limit for the current period has been paid off, you can continue to pay off the off-card installment limit. The money you repay will be shown as a fixed amount.

Bank Card Management Measures

Article 5 Bank Cards Credit Cards and Debit Cards.

Bank cards are divided into RMB cards and foreign currency cards according to different currencies; they are divided into corporate cards (commercial cards) and personal cards according to the issuing objects; they are divided into magnetic stripe cards and chip (IC) cards according to different information carriers. )Card.

Article 6 Credit cards are divided into two categories: credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank.

A credit card refers to a credit card in which the card-issuing bank grants the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later.

A quasi-credit card means that the cardholder must first deposit a certain amount of reserve fund as required by the card-issuing bank. When the balance of the reserve fund account is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card-issuing bank. credit card.

Article 7 Debit cards are divided into debit cards (including savings cards, the same below), special cards and stored-value cards according to different functions. Debit cards do not have overdraft capabilities.

Article 8 Debit card is a debit card with real-time debit. It has transfer calculation, cash deposit and withdrawal and consumption functions.

Article 9 Special cards are debit cards with special purposes and used in specific areas. It has the functions of transfer calculation and cash deposit and withdrawal.

Special use refers to uses other than department stores, catering, restaurants, and entertainment industries.

Article 10 A stored-value card is a prepaid wallet-style debit card in which the card-issuing bank transfers funds to the card for storage at the request of the cardholder and deducts money directly from the card during transactions.

Article 11 Co-branded/identified cards are bank card ancillary products jointly issued by commercial banks and for-profit institutions/non-profit institutions. The types of bank cards attached to them must be approved by the People's Bank of China. , and shall abide by the business charter or management measures of the corresponding variety.