This is the risk control carried out by the bank.

Article 50 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The issuing bank shall establish a credit card credit management system, dynamically manage the credit card credit line according to the cardholder's credit status, card usage and risk information, and notify the cardholder in a timely manner in an agreed manner, and may require the cardholder to implement the second repayment source or provide guarantee when necessary.

The issuing bank shall jointly manage the credit lines of multiple credit card accounts under the cardholder's name, the total credit line for installment payment, the credit line for supplementary cards, the credit line for cash withdrawal, and the maximum credit line for card services exceeding the credit line, and set the upper limit of the total credit line. The credit line for cash withdrawal of business procurement card should be set to zero.

Extended data:

If you are a risk controller, you should pay attention to the use of cards and develop good card habits.

1. Use credit cards correctly and don't cash out illegally.

2. You can swipe your card frequently to form a good record of using the card, which is also helpful to increase the credit card limit;

3. Do not apply for a credit card, do not swipe the card or accidentally swipe it once;

4. Use the card carefully in areas with high risk of theft.

He Xun. Com- What if the credit card is improperly used and the transaction is restricted?

What is the meaning of credit card display restriction card?

Credit card swiping is restricted for the following reasons:

1, overrun

When the credit card is activated for use, a one-day single transaction limit will be set. If the transaction exceeds this limit, it will show that the transaction is limited.

2. There are risks.

The bank will supervise the use of credit cards. If your credit card suddenly has a large amount of spending in different places, it may be considered as a risky transaction, and there may be the possibility of being stolen, which will limit the transaction.

3. Cash-out suspicion

If the cardholder has continuous large integer credit card transactions, and they all swipe their cards in the same place, they are likely to be targeted by banks and suspected of cashing out, thus restricting the use of credit cards.

What if the credit card is restricted?

Credit card swiping restriction means that the card is restricted during the transaction. Usually, when the card is subject to risk control, freezing, card sealing, loss reporting, etc. , there will be tips to limit transactions. When using a credit card, users should directly call the customer service hotline of the issuing bank and ask the manual customer service to check the status of the card. If the card is restricted due to transaction risk, the restriction can be lifted by replacing the POS machine. As for the credit card restrictions caused by other reasons, it will take some time to solve.

1. What causes the credit card to be restricted?

1. The card status is abnormal, such as degaussing the card, and the password is locked due to too many wrong input times. It is recommended to call the banking service hotline to confirm; There is nothing wrong with the card. The signal of POS machine is not good. If it is not connected to the network, the transaction will fail.

3. If you hold an IC chip credit card, because UnionPay has turned off the downgrade transaction function, if the cashier still operates the transaction by swiping the card instead of inserting the card, it can't be used either;

4. The card does not support transactions. For example, visa /jcb single logo cards do not support UnionPay transactions, nor do they support some online transactions.

Second, how to solve the credit card restrictions?

Credit card consumption is restricted, which means that the credit card is temporarily suspended, so no transactions can be made for such a long time. Generally speaking, there will be different solutions according to the reasons that limit credit card consumption, as shown in the following figure:

1. The credit card has expired. It is recommended to call the issuing bank to inquire whether the customer service has outstanding debts. If so, pay immediately. Try to communicate with the customer service after repayment, indicating that you are not maliciously overdue, and see if the customer service can lift the consumption restriction. If the overdue period is not serious, there is still a chance to cancel it.

2. The account is risky. The banking system will monitor the cardholder's account transactions at any time. If it is found that there are possible risks in a transaction, such as swiping a card on the POS machine of a blacklisted merchant in a bank, or suddenly making an overseas transaction without registration, triggering the bank's risk control system may lead to restrictions on credit card consumption. Generally, it is necessary to provide proof that the card is standardized.

3. Exceeding the set limit. In order to ensure the security of credit card funds, many cardholders will manually set a credit card transaction limit, such as daily transaction limit and monthly transaction limit. As long as the consumption limit exceeds the set limit, consumption will be restricted, so you can continue to consume by manually changing the limit to a higher level and then change it back after consumption.

What is the problem with credit cards that can't be swiped?

Credit card swiping is restricted for two reasons. First, there are many cash-out behaviors, which trigger the bank's risk control system, thus limiting credit card transactions. The other is that there is a risk of theft, triggering the credit card risk control system, in order to ensure the safety of funds and thus limit the use of transactions. If the credit card is restricted from trading, it is actually temporarily frozen. Need to contact the bank to consult the reasons and handle the cancellation.

credit card

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Credit card fraud

1. Credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained. Excessive personal credit limit is not evidence of good credit (repayment record is), but the risk in the eyes of financiers, which may push up the loan interest rate.

2. The annual interest rate of the credit card is as high as 18%, which means++can make the borrower lose blood quickly. Credit card debt brings mental stress. Some card slaves report that they are often afraid of opening mailboxes or emails. If the credit is not good, the cost of borrowing money is higher, and even money cannot be borrowed.

3. Credit card provides the option of raising debts by debt and quenching thirst by drinking poison, which leads to debt out of control. The short-term preferential interest rate is not worth the loss in the end. A certain proportion of people will turn emergency financing into long-term debt. Don't be tempted by short-term low interest rates to make unnecessary loans.

4. Excessive personal credit line is not only evidence of good credit (repayment record is), but also a risk in the eyes of financiers, which may push up the loan interest rate.

Prerequisites for applying for a credit card for the first time:

1. The applicant is over 18 years old and has full capacity for civil conduct;

2. The applicant has a stable job and income, and has the ability to repay credit card arrears on time;

3. The applicant's personal credit status is good.

Applicants who meet the above basic conditions have the opportunity to apply for ordinary credit cards. There are different grades of bank credit cards, which usually include ordinary cards, gold cards and platinum cards. Among them, the universal card is the easiest to handle. If you apply for a credit card with a gold card or above, you generally need the applicant to provide some financial proof materials. If it is the first time to apply for a credit card, my income is not high. I suggest it will be easier to apply for an ordinary card.

How to lift the restriction of credit card swiping?

Cancellation measures after the credit card is restricted:

1. If the credit card is restricted beyond the time limit, you need to pay off the arrears first, then call the bank's credit card customer service hotline, and then manually apply for lifting the restriction. However, if the overdue time is too long, the restriction shall not be lifted.

2. If you suspect that credit card cashing is restricted, if you don't cash out, you can provide relevant proof of consumption to the bank and then apply for lifting the restriction. However, if it is really cashed out, it is generally difficult to lift the restrictions in this case. After all, cashing out is illegal.

I. The specific steps for an individual to apply for a credit card are as follows:

1. If you want to decide which bank to run first, you can visit the major banks in official website for details.

2. apply. After deciding which bank to apply for a credit card, you can find time to apply directly to the business outlets. Some banks can also apply in official website, and many banks will set up some offices outside, so just pay more attention.

3. Fill in the form and fill in the relevant information according to the instructions of the staff.

4. review. Fill in the information and submit it to the bank for review.

5. Card issuing. After approval, the card will usually be sent by registered mail. You can log in to the relevant bank in official website to inquire about the progress of card processing, or you can call for advice.

6. Opening. When you receive the card, there will be relevant instructions. Read carefully, remember the checkout date and repayment date, and set the relevant password according to the prompts. After opening, your credit card can be used. The limit is determined by the bank according to the information you submitted, social security, bank records, etc. If it is not enough, you can apply to the bank to adjust the temporary or fixed limit.

What does it mean that credit cards (debit cards) are restricted?

Credit card (debit card) swiping restriction Credit card (debit card) swiping restriction means that the card of credit card (debit card) is restricted during the transaction. Usually, cards will be subject to risk control, freezing, card sealing and loss reporting. And there will be a reminder that the transaction is limited. When users use a credit card (debit card), they should directly call the customer service hotline of the issuing bank and ask the manual customer service to check the status of the card.

If the card is restricted due to transaction risk, the restriction can be lifted by replacing the POS machine to swipe the credit card (debit card). As for credit cards (credit cards) restricted by other reasons, it will take some time to solve them.

The introduction of credit card restrictions and high consumption restrictions ends here. I wonder if you have found the information you need?