The answers are as follows:
1. The credit card has money, but when you swipe it, it shows that the balance is insufficient:
① The credit card swipe exceeds the single transaction limit
② The consumption on the day exceeds the daily limit
③ The number of card swipes on the day exceeds the limit
④ The card swipe amount has been set on the POS machine
⑤ The card swipe amount exceeds the available amount Limit
⑥ It is recommended to contact the bank card center for help
2. The available credit limit of the credit card = the credit card credit limit of your own funds. Your credit card limit is 10,000 yuan, plus If you have 10,000 yuan of your own funds, you can spend 20,000 yuan by swiping your card.
3. If there is consumption or overdraft, the priority to pay is its own cash. In order to protect the interests of customers, the bank will not give priority to paying the credit card limit.
4. If the available limit on the card is all the credit card limit, and the self-owned funds are 0, after the current consumption and overdraft withdrawal, the consumption payment will be repaid first, and the cash withdrawal payment will be listed later; for example, you The statement date is the 16th of each month. You overdrafted 1,000 yuan in cash on the 3rd, and then used your card to spend 2,000 yuan on the 6th. You then deposited 1,500 yuan into the card. The bank defaulted to: 1,500 yuan to repay. For consumption money, if you want to enjoy the interest-free treatment for consumption, you have to deposit 500 yuan into the card; for overdraft cash withdrawals, interest will be charged at 0.5% per day, so it is listed as repayment after consumption money
Data expansion:
According to different card issuers, they can be divided into bank cards and non-bank cards:
(1) Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
(2) Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of issuance, it can be divided into corporate cards and personal cards:
(1) Corporate card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.
(2) Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards:
(1) Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
(2) Gold card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
(Data source: Baidu Encyclopedia: Credit Card)