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Guangfa credit card is limited to 5,000 per day

Why is Guangfa’s credit card consumption restricted?

The risks associated with specific merchants of Guangfa Credit Card are generally limited by the specific merchants of Guangfa Bank. This is only for some risky merchants. There is no need to cancel the operation, change merchants for consumption or bind Guangfa Credit Card through WeChat/Alipay for online transactions. Just spend it online. Of course, if after changing merchants or changing online purchases, all merchants prompt the specific merchant limit, it means that the cardholder is at risk of cashing out, and the cardholder needs to provide consumption vouchers to prove his innocence, or conduct more diversified personal Make real purchases, keep good card usage records, or try to use credit cards to pay in installments to reduce the suspicion of cashing out, and wait for the system to automatically release risk control.

Credit card:

A credit card is a small loan payment tool provided by banks to users to consume first and repay later. That is, when your shopping needs exceed your ability to pay or you do not want to use cash, you can borrow money from the bank. This kind of borrowing does not require any interest or handling fees.

A credit card is a certificate that a bank promises to lend you money. A credit card will tell you how much money you can borrow from the bank and when you need to pay it back. In addition, you can also withdraw cash directly from the ATM machine when there is no money in your credit card. Credit cards can be used as cash overdrafts, and the repayment period cannot exceed 60 days. Using a credit card can improve your credit score (pay back the loan on time) so that you can get a larger loan from the bank.

What should merchants do if their consumption is restricted (version 3.3.2):

First, log in to the Discover Wonderful APP of Guangfa Credit Card, click My, find Cardless Payment, and then bind it Use your WeChat, Alipay, and UnionPay to make at least one purchase.

Second, it’s still the same, enter the Discover APP, Wonderful - Ele.me - often order takeout.

Third, enter the Discover Wonderful APP, select Wonderful-Fresh Food, buy some vegetables and fruits at home, and buy more, which is equivalent to taking more care of the bank's business.

Fourth, also choose Wonderful-Shopping Card, buy Wal-Mart, Carrefour or Tmall Supermarket Card, the points can be deducted by 10%, which is equivalent to a 10% discount. If you usually go to the supermarket to shop, you can buy more A little shopping card.

Fifth, if the bank calls to arrange installment, then you have to agree to it tactfully, and the installment will be 3-6 months, and the longest period should not exceed 12 installments. China Guangfa Bank has a star rating standard. , it only makes sense to reach 4 to 5 stars. The evaluation is based on your annual installment amount and transaction amount. If you are not good at using the card, try to choose installment. 4 stars means more than RMB 10,000 per year in installments, and 5 stars means more than RMB 50,000 in installments. The specific number of points depends on your credit card limit. A small limit can be applied to 4 stars, and a large limit can be applied to 5 stars, which can be divided into 2-3 times. After completion, strive to increase the star rating.

At the same time, GF also has a reliable scoring system, which is the same as the Sesame scoring system. Our several operating methods are to improve your consumption card use behavior and interaction with the bank, and ultimately improve your star rating

How to lift the specific merchant limit of Guangfa Credit Card

Guangfa Credit card specific merchant limits cannot be lifted by oneself. When this happens, the credit card is usually controlled by the bank. At this time, the cardholder needs to change the POS machine to swipe the card and pay attention to the diversification of consumption scenarios. It will be lifted later. When this happens, you can call customer service for consultation, and then deal with it according to the opinions given by customer service.

When using credit cards, users should not swipe the card at a single POS machine, and do not use the entire credit limit of the credit card at once. This will be regarded as cashing out by the bank. After using your credit card to make purchases, be sure to repay it on time and avoid returning it, as penalty interest will accrue if it is overdue.

Overdue credit card repayments will be uploaded to the credit reporting center by the bank. When personal credit becomes bad, it will affect subsequent applications for various loans, such as car loans or home loans. Moreover, after the debt is repaid, this overdue record will continue to be saved on the credit report for 5 years, and will automatically disappear after 5 years.

In order to avoid not being able to repay on time after using a credit card, when using a credit card for consumption, you can think about your repayment ability in advance and know what income to use for repayment. If your personal income is relatively small, you should be careful when using credit cards. If you cannot repay your credit card on time, you can use installments or minimum repayments.

How to deal with the transaction limits of Guangfa Bank credit cards at specific merchants?

The Guangfa Bank credit card has transaction limits at specific merchants, which means that the card has been risk controlled by the Guangfa Credit Card Center. If this happens, you can:

1. Specific merchant transactions occur After reaching the limit, you need to change a payment method. You can choose not to swipe the card for consumption, but instead use scan QR code payment or use a different card swiping machine for consumption.

2. Change one-time payment to credit card installment payment to reduce the suspicion of credit card cash-out.

3. Suspend the use of credit cards for consumption in a short period of time, or when using credit cards for consumption, do not always make fixed large transactions, and diversify the types of consumption.

Extended information:

When the credit card of Guangfa Bank is low at a specific merchant or is judged by big data to be beyond the actual amount that can be consumed or sold, payment will be limited or even refused. This situation occurs mainly to crack down on credit card cash-out users. Therefore, when using credit cards, you must keep a good usage record and try to make purchases at merchants or large supermarkets with good credit.

Why is Guangfa Credit Card’s consumption restricted?

Guangfa Credit Card’s consumption is restricted generally because the user has made illegal operations during the use of the credit card, and then was subject to risk control by the Guangfa Bank system. Currently there is no ++ frequently used credit card consumption function.

The following behaviors will cause credit card consumption to be restricted:

1. The credit card transaction amount exceeds the set limit. Most bank credit cards can set transaction limit limits, which mainly play a role in protecting the safety of funds and preventing excessive losses during theft. If the user's consumption is restricted due to this reason, you can log in to online banking or mobile client to modify the limit limit. .

2. The credit card limit was reduced by the bank. The bank will regularly evaluate the credit history of users and may appropriately reduce the credit limit for users with higher risks, which will cause inconvenience to the cardholder to a certain extent. In this case, the cardholder can call the bank to inquire about the reason for the credit limit reduction to see if the credit limit can be reduced. Apply for restoration of quota.

3. The purpose of the credit card is not compliant. According to regulations, credit cards can only be used for normal consumption. If the user commits illegal activities such as cashing out, he or she will be restricted by the system. For example, the card cannot be swiped at wholesale merchants, or the amount of a single transaction is limited. If this is the case, it is recommended that the user use the credit card normally. Don’t cash out and keep good trading records.

4. Credit card transactions are risky. Because there is a risk in a user's transaction that triggers the bank's risk control system and causes the transaction to fail, such as swiping the card at the POS of a merchant that is blacklisted by the bank, sudden overseas transactions without registration, etc., the user can try to change to another merchant for consumption.

There are many reasons for credit card consumption limits. Generally, it is due to improper daily use of the bank card or being frozen by the banking system due to suspected violations. In daily transactions, once users find that the status of their personal bank cards is abnormal and there are no normal transactions, they can contact the bank customer service as soon as possible to understand the cause of the abnormality, inquire about the solution, and go to a nearby bank branch for processing in a timely manner. .

How to lift the Guangfa risk control limit

1. If you find your Guangfa Bank credit card risk control limit, you can first choose to contact the customer service center of Guangfa Bank Credit Card.

2. Find out the reason why your credit card is limited by contacting the customer service center, and then take appropriate measures.

3. If the limit is due to overdue repayment, you can pay off your debt first. After paying off the debt, you can further communicate with China Guangfa Bank to restore the credit card limit. Lift risk control limits. If it is due to a cash-out problem, you can negotiate with the bank to solve the problem. If you use your credit card too few times, you can use your credit card for more purchases.

This ends the introduction about the limit of Guangfa Credit Card and the limit of 5,000 per day for Guangfa Credit Card. I wonder if you found the information you need?