1. Online banking payment has not been opened, so the householder needs to bring his ID card and bank card to the counter of the bank's business outlets to handle it in person (many banks open online banking and online banking payment are different businesses and need to handle them separately). ?

2. The online banking payment limit is full, which is not enough to pay for this transaction. You need to log in to online banking to upgrade/reset the payment limit.

3. If the use of the credit card is restricted due to the overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the bank credit card customer service center to explain the situation. Usually, banks will lift restrictions for them. After that, the cardholder should repay the loan on time, and do not cause any overdue, because the overdue credit card will be recorded in the personal credit information system, which will affect the future loan application.

4. The credit card is restricted due to the theft of the credit card. Usually, after the stolen credit card is processed, the bank will lift the restrictions.

Extended data:

Precautions for credit card use:

1. Credit card withdrawal rate is high: because the credit card itself has no money, users can use the credit card to withdraw cash and borrow money from the bank, and the interest rate is very high, and it is calculated on a daily basis (the specific interest calculation method can be known from the issuing bank).

2. Credit card has no password: If the credit card has a password, the cardholder needs to enter the password when swiping the card. If there is no password, just sign to confirm the consumption. The cardholder may think that it is unsafe to set the password, but this is wrong, because the merchant has the obligation to check the signature.

3. Installment charging: Many banks advertise under the banner of interest-free installment. Banks don't charge users interest, but they do charge a handling fee, which is generally about six thousandths per period, and each bank is different.

4. If the credit card fails to repay according to the minimum repayment amount, it will not only deduct high interest, but also affect personal credit history. If you want to borrow money from the bank or do something related to personal credit in the future, it will be more troublesome.

Baidu Encyclopedia-Pufa Credit Card