what if credit card transactions are restricted? (Cause and solution)

In the process of swiping the credit card, the prompt that the transaction is restricted suddenly appears, which really makes people unprepared and even more puzzling. The credit card is used well, so why is it restricted? In fact, there are many reasons why credit card transactions are restricted, and it is the correct way to solve the problem. So what should I do if credit card transactions are restricted?

1. Exceeding the limit

When a credit card is activated for use, it will set a single transaction limit per day. If the transaction exceeds this limit, it will show that the transaction is restricted.

Solution: This transaction limit can be changed by yourself. You can enter the mobile banking by yourself or call customer service to ask for modification.

2. There are risks

Banks have played a supervisory role in the use of credit cards. If your credit card suddenly has a large amount of consumption in different places, it may be considered as a risky transaction, and there is the possibility of being stolen, which will limit the transaction.

solution: you can call the customer service phone of the bank and explain clearly to the customer service that it is really my use, so that the transaction function of the credit card can be restored.

3. Suspicion of cashing out

If you swipe your card in the wrong posture, you will be suspected of cashing out if you continue to make large integer transactions in the same place.

solution: cashing is illegal. You need to call customer service in time, explain clearly, admit your mistakes, and make good use of the card in the future and apply for resumption of use.

4. Threatening by the bank

If the card is used normally, it is also restricted, and it is likely to be threatened by the bank. For example, if you have been asked to do staging for many times, you will ignore it, so I will make trouble for you.

Solution: Call the customer service to ask why the transaction is restricted. If you don't give an explanation, you won't stop. If it's really no good, you will threaten to cancel the card. Of course, this is the best way.

that's why credit card transactions are restricted. in addition, I'll introduce the solutions for you. In addition to the above situation, there may be some other reasons, such as network failure, equipment reasons, etc., which need to be solved separately.

how to relieve credit card restrictions

in order to meet their daily consumption and living needs, more and more consumers begin to use credit cards. As an important payment tool, the usage rate of credit cards is also increasing gradually. However, many people find that they are restricted when using credit cards. How to relieve credit cards if they are restricted?

how to remove the credit card restriction?

Due to different reasons for the restriction of credit cards, there are different ways to remove the restriction, which are divided into the following three situations:

1. The limit exceeds the upper limit.

When the cardholder's daily consumption limit exceeds the upper limit set by the bank, it will be restricted when making the next payment. In this case, the cardholder will check the bill first, and under normal circumstances, the credit card can be resumed the next day. If the credit card is often restricted due to the limit exceeding the upper limit, the cardholder should reflect on it and maintain good card use habits and consumption habits to avoid adverse effects caused by excessive consumption.

What should I do if the credit card is restricted?

Solution to the credit card restriction:

1 When using a credit card, if the credit card's spending amount on that day exceeds the bank's requirements or the upper limit set by myself, it can normally be resumed after 12 o'clock in the evening.

2 if the use of the credit card is restricted due to overdue repayment of the credit card, the user must first fulfill the repayment obligation and pay off the overdue debt, and then apply to the bank for lifting the restriction and restoring the normal use of the credit card. Generally, the overdue situation is serious, even after the repayment obligation is fulfilled, the bank will not restore the user's credit card, which often means that the user has been blacklisted by the bank.

3 if the use of credit card is restricted due to the suspected cashing, the cardholder needs to provide relevant consumption vouchers to the bank before the restriction can be lifted.

4 if the credit card involves the security of using the card, the cardholder needs to go to the bank to go through the relevant procedures for lifting the restrictions. Generally, in order to avoid stealing the credit card, the bank can lift the restrictions and resume normal use by proving to the bank that the credit card account is safe.

how to remove the credit card restriction?

if it's a problem with the merchant's POS machine, or if it's a problem with the payment of an order, the user can cancel the restriction by replacing the POS machine and spending by swiping the card, or paying other orders. However, there are problems with the credit card itself. For example, if the card is controlled by the wind due to overdue or illegal use, it is necessary to pay off the overdue debts first, or submit relevant supporting materials, and then the credit card can be restored after it has passed the bank review.

therefore, credit card transactions are restricted, and users need to check whether there is a problem with the card itself or during the transaction.

Extended information:

Credit card unfreezing:

If your credit card is frozen by the bank, you should first find out the reason why the card is frozen, and then take targeted measures.

For example, if a credit card is frozen because it is too overdue, it will be difficult to unfreeze it. The customer must pay off all overdue debts first, and then take good care of the credit after paying off. Maybe after the credit is raised, the bank will get a higher score when evaluating the banking system, and the bank will resume using the card. But I'm afraid it will take a long time to maintain good credit. And thawing mainly depends on system audit, and manual intervention is impossible.

if the credit card is frozen because of the suspicion of cashing out and the bank's risk control, the customer who has not cashed out can print out the recent transaction records of the credit card and provide the voucher to the bank to prove that he has not cashed out. The bank will unfreeze the card if it makes sure that the account is not too risky.

if there is a risk of credit card being stolen, the bank may also freeze the card. In this case, the customer can directly call the bank to apply for thawing. Also, sometimes when a credit card is lost, the customer will take the initiative to apply to the bank to report the loss and freeze the card. If the card is found during the temporary loss reporting period, the customer can also directly ask the bank to unfreeze it and continue to use the card.

credit card application conditions

The credit card application conditions of all banks are similar, and the basic application conditions are as follows:

1. Applicant's age

The main card applicant must be over 18 years old, while the maximum age limit varies from bank to bank, such as 6 years old for China Merchants Bank, CITIC Bank and Shanghai Pudong Development Bank; Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia are 65 years old; CCB is 7 years old.

applicants for supplementary cards can generally apply when they are over 16 years old. Among them, China Merchants Bank and Agricultural Bank require them to be over 14 years old, and Minsheng and China Construction Bank can apply when they are 13 years old.

2. Personal economic strength

Applicants should have a stable job, legal income and certain repayment ability.

3. Credit information

Personal credit information is good, and there is no bad credit record, especially no credit card, loans overdue, cash withdrawal, etc.

Of course, these are the most basic conditions. Even if you meet these conditions, you may not be able to pass the examination and approval 1%. In addition, some card types need special conditions, such as assets reaching a certain scale.

Elimination of credit card blacklist:

Credit card blacklist means that you can't apply for a credit card because there are bad records on credit records. Eliminating credit card blacklist means eliminating bad personal credit records. There are two ways to eliminate it.

1. apply to the central bank to cancel the wrong record: if the bad record information in the personal credit report is entered incorrectly, you can apply to the local central bank for cancellation, which can usually be solved within 1 working days after the application is accepted.

2. Automatic elimination of bad records: If there are bad records in personal credit records due to overdue credit cards before, the bad records will be automatically eliminated after 5 years if all the arrears have been paid off.

What should I do if the credit card of Yaodu Rural Commercial Bank is restricted?

Follow the following two steps

First, find out the reasons for the credit card restriction.

contact the issuing bank. The credit card is restricted. As a cardholder, you should contact the issuing bank at the first time. No matter which way you contact the issuing bank, you should contact the staff in time and ask them to help find out the reason why the credit card is restricted.

find out the reason of credit card restriction. There must be a reason why the credit card is restricted. As a cardholder, if you want to use the credit card normally, you must verify the reason clearly and then prescribe the right medicine to restore the credit card to its normal state. There are many reasons why credit cards are restricted, such as incorrect password input, consumption exceeding the limit, failure to repay in full and on time, card degaussing and so on.

2. Take measures to apply for lifting the restriction.

timely repayment. If your credit card is restricted because you don't repay it in full and on time, you should go to the issuing bank to deposit money at the first time, pay back the money you owe, and then apply to the bank to lift the restriction for you.

report the loss of password. If your credit card is restricted because you entered the wrong password, you should bring your original ID card to the bank in time to apply for password loss reporting, then reset your password, and wait for the new password to be set successfully before you can use your credit card again.

apply for card replacement. If your credit card is restricted because your card is degaussed, then you have to bring your ID card in time and go to the bank to apply for a new card in time. As long as the general magnetic stripe credit card is degaussed, it can no longer be used. Only by changing the card again.

re-trade. If your credit card is restricted because you have exceeded the credit limit, then you have to change the card for trading. Generally, as long as you exceed the overdraft limit of credit, you can't continue to spend, so you have to change the card and trade again.

what should I do if the credit card is restricted?

1. Generally speaking, the restricted consumption may be due to the cardholder's arrears or the bank's suspicion that the cardholder is cashing out.

2. If it's due to arrears, you must pay back the arrears of the bank card as soon as possible, otherwise the interest to be paid every day will also generate great expenses. You can contact the bank to inquire about the reason for the restriction. If it is confirmed that there is arrears, it is suggested to temporarily stop spending by credit card and pay back the arrears first. This will not only affect the use of credit cards, but also affect your credit history, which is very important.

3. Another possibility is that the bank suspects that you are suspected of cashing out, so it limits your spending quota. You can recall whether you have made a large amount of lump-sum consumption in a certain merchant many times recently, which is the easiest for banks to suspect. At present, banks are very sensitive to cash-out, and their supervision is very strict. At any time, they will limit their quotas or even cancel their cards. If there is such a situation, you must explain it clearly to the bank.

4. If the above two situations do not exist, it may be the problem of the bank or the merchant you consume. You can consult the customer service hotline of the credit card issuer.