The number of times you have entered your credit card password has exceeded the limit, what should you do?

If the number of times you enter your credit card password exceeds the limit, you should take your ID card and bank card to the bank to reset your password.

What to do if the number of incorrect credit card passwords exceeds the limit

Credit card passwords have a certain limit. Once the number of incorrect passwords is exceeded, your credit card will be locked. In this case, it is natural to unlock it, otherwise the credit card cannot be used. So, do you know how to unlock a credit card? If you don’t know what to do, let’s take a look together.

Many cardholders will complain when encountering this situation. Why would a good bank set such a number of errors? It is very troublesome to unlock the locked card if you enter the wrong password. There is no way, in order to ensure the safety of cardholders, banks have to take such protective measures.

In order to protect the security of the cardholder's assets, the bank will lock the card when the wrong password is entered multiple times. This is mainly to prevent the card from being lost or stolen, and criminals maliciously testing the password. property damage.

The number of times the credit card password has been entered exceeds the limit, which means that the number of times the password has been entered incorrectly exceeds the limit 6 times or more. But generally if you press the wrong password three times, your credit card will be locked. There are two situations when a credit card is locked, one is temporarily locking the card if the limit is exceeded, and the other is permanently locking the card if the limit is exceeded. The processing methods of the two are different.

1. Over-limit temporary card lock

This kind of card lock refers to the fact that if you enter the wrong credit card password three times in a row, the card issuer will temporarily freeze your credit card and you cannot use it. For any transaction with a credit card, if the card is locked for more than 24 hours, it will be automatically unlocked. Therefore, if the credit card password in this situation temporarily exceeds the limit, you only need to wait until the next day to make transactions.

2. Over-limit permanent card locking

This kind of card locking refers to that if your credit card password is accumulated 10 times or more in a row, the card will be permanently locked. Once the card is permanently locked, It will not be unlocked automatically. The cardholder needs to call the credit card service hotline of the card issuer and be transferred to manual service to unlock it. You can also go to the counter to unlock it.

Counter unlocking is relatively troublesome. Cardholders need to take a valid ID and your credit card to go to the counter of the card issuing bank's business outlet to unlock. After successful processing, the card can be unlocked on the same day.

Tip: When using a credit card, please pay attention to the safety of the card usage environment and be aware of self-protection. Prevent personal data from being obtained and processed by others, resulting in loss of personal property.

What should I do if the number of incorrect credit card (credit card) passwords exceeds the limit?

If the number of incorrect passwords for a credit card (debit card) exceeds the limit, you can use the following methods to unlock the card: the card is temporarily locked, and the user can wait for 24 hours, and the lock will be automatically unlocked after 24 hours; while the credit card will be automatically unlocked after 24 hours. (Credit card) If the password is incorrect too many times, causing the card to be permanently locked, the user can call the customer service hotline to unlock it, or go to the bank with his or her ID card to reset the password and run the unlock process.

Therefore, whether it is a temporary lock or a permanent lock, the lock state can be unlocked. It is best for users to remember their credit card (credit card) passwords and not to use trial and error to find the correct password.

What should I do if the number of credit card repayments exceeds the limit?

The number of repayments exceeds the limit. Exceeding the limit means that the number of credit card repayments in the month has exceeded the prescribed number of repayments. , different banks have different restrictions on the number of credit card repayments in a month, but generally banks stipulate that the same credit card cannot be repaid more than three times in a month, in order to control risks. If the number of credit card repayments in a month exceeds the limit, the cardholder needs to call the credit card customer service number to apply for lifting the repayment limit, and then repay the credit card through other methods. : China UnionPay was established in March 2002. It is a Chinese bank card union established with the consent of the State Council and the approval of the People's Bank of China. It is headquartered in Shanghai. As of the end of November 2020, UnionPay's global acceptance network has extended to 179 countries and regions, and a total of more than 9 billion UnionPay cards have been issued at home and abroad.

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As China’s bank card union, China UnionPay is at the core and hub of my country’s bank card industry and plays a fundamental role in the development of my country’s bank card industry. Banks clear cross-bank transactions through UnionPay The system realizes interconnection between systems, thereby enabling bank cards to be used across banks, regions and borders. On the basis of building and operating the UnionPay inter-bank transaction clearing system and realizing the universal use of bank cards on the Internet, China UnionPay actively cooperates with commercial banks and other industry parties to promote unified UnionPay card standards and specifications, create independent bank card brands; promote the development and application of bank cards ; Maintain the order of the bank card acceptance market and prevent bank card risks. Through the UnionPay inter-bank transaction clearing system, interconnection and resource sharing between commercial banking systems are realized, ensuring the use of bank cards across banks, regions and borders.

As of September 2019, the UnionPay network covers urban and rural areas in China, and has extended to 174 overseas countries and regions in Asia, Europe, America, Oceania, and Africa[2].

In December 2019, China UnionPay was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. [3] On August 31, 2020, China UnionPay released the first digital bank card “UnionPay Card”. In December 2021, Alipay and China UnionPay realized mutual recognition of payment code scanning across the country.

That’s it for the introduction of what to do if your credit card usage exceeds the limit.