Credit card (debit card) will suddenly be limited, which may be caused by the following reasons: the amount paid by the user has exceeded the one-day limit or the current month limit; Merchants are merchants whose consumption is restricted, so there is a limit reminder when swiping credit cards (debit cards); Credit card (debit card) is overdue, and the card is subject to the risk control of the bank, so it will also be restricted.

Therefore, when a credit card (debit card) is suddenly restricted, users should call the customer service hotline of the issuing bank to ask why it is restricted, and then lift the restriction according to the customer service instructions.

How is the credit card limit exceeded?

Usually, the prompt that a single transaction amount exceeds the limit means that the payment amount exceeds the maximum transaction amount set by the bank or individual. If this prompt appears when using a credit card, there are usually three possibilities. First, the user's credit card limit is insufficient; Second, the credit card has set a transaction limit; Third, credit card transactions are risky and controlled by banks.

: 1. Reasons for single transaction amount exceeding the limit:

1. The customer sets a single limit.

2. Online trading or bank risk control limit.

3. Because the customer's bad credit card records are monitored by the bank, the bank limits the single amount of a specific merchant.

Second, ways to increase the credit card limit:

1. If you want to increase the credit card limit, spend more first. Don't use cash as long as you can swipe your card. The monthly consumption limit should be above 70% of the credit limit, and try to diversify your consumption.

2. Swipe more cards, swipe cards in different types of merchants, and increase consumption content. Properly handle installment or cash withdrawal, and give the bank a little interest and handling fee.

3. Both credit card consumption and cash withdrawal must be repaid on time, and the minimum repayment amount is generally not recommended for repayment. Frequent use of the minimum repayment amount will not only increase the handling fee, but also make the bank question the repayment ability and refuse to increase the amount.

Third, the credit card processing process

1. Prepare materials in advance: users go to the business outlets of the issuing bank first and bring personal identification documents and other materials;

2. Apply for card opening: at the bank counter, prompt the staff to apply for a credit card, inquire about their favorite and suitable credit card types and grades, and then clearly apply for a credit card from the bank staff;

3. Examination and approval of qualification certificate: the bank examines and approves the qualifications of the applicant. The examination and approval work mainly focuses on the applicant's personal credit and repayment ability. After comprehensive evaluation, the bank decides whether to open a card for the applicant.

4. Card Issuance: After the approval, the bank will send a corresponding notice to inform the user of the expected credit card issuance time. Applicants can use the challenge card after getting the card.

Why does the credit card (debit card) show that the consumption exceeds the limit?

Credit card (debit card) shows that consumption exceeds the limit. There are two situations, one is that the transaction limit of credit card (debit card) is exceeded, and the other is that credit card (debit card) is controlled by the wind.

1. Exceeding the transaction limit of credit card (debit card): Many bank credit cards (debit cards) have an upper limit of single/single-day consumption, or the cardholder has set a transaction limit for the credit card (debit card), and no more consumption can be made beyond the limit. You can call manual customer service to inquire about the maximum transaction limit of credit card (debit card).

2. Credit card (debit card) risk control: If the credit card (debit card) does not use the card in a standardized way, or has serious bad behavior, it will not be reused by the bank's risk control, and credit card consumption will remind the credit card (debit card) that the consumption exceeds the limit.

The credit card shows that the credit card transaction amount exceeds the single limit.

The credit card shows that the credit card transaction amount exceeds the single limit. There are two situations:

First, the number of places is insufficient. This is because of online transactions or because of bank risk control to limit the amount.

2. A single line is set, and the transaction amount exceeds the set single line. This is because customers set a single limit on the use of their credit cards.

Extended data:

Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct.

From the cardholder's point of view, online payment is considered to be one of the most risky payment methods for credit cards, because malicious people may use phishing, eavesdropping on network information, fake payment and other means to steal user information.

When paying online, you need to enter the validity period of the credit card, the number of Visa CVV2/MasterCard CVC2/ UnionPay CVN2 next to the signature column on the back of the card, the online transaction password, and sometimes you need to enter your name, the verification code randomly generated by the webpage, etc. After the input is completed, click Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has gradually improved, which has also blown up the trend of online consumption.