1. Credit card POS opportunities have a limit, which can be set by yourself or the transaction limit on POS. "6 1 transaction amount exceeds the limit" means that the consumption exceeds the transaction limit set by pos machines, mainly for pos machines of some merchant types. This kind of merchants are mainly gold jewelry, clothing, electrical appliances, wholesale, gas stations, supermarkets, real estate and other industries. Because it is suspected of high-risk cashing, it is the key monitoring object of UnionPay. So when your card is prompted, it may not be the card, but the merchant who swiped the card.
2. Usually every bank will count its own "blacklist" merchants, and the bank's risk control system will also pull this merchant into the blacklist merchant pool. The most famous is the list of black merchants of China Merchants Bank, which was dubbed as "China Merchants Bank's heavenly book" by Ka Chun. Businesses without points are basically on the list. Gobbledygook is usually updated once a month. As of June 20 19 and 19, about1600,000 merchants have entered its list in the past three months.
3. In addition, the following situations are also the reasons for the card's "6 1 transaction amount exceeding the limit": the new rules of UnionPay spread: due to the new rules of UnionPay, a chip card can only swipe three transactions on the pos machine one day. The number of related codes such as 6 1 may exceed the number of times. It is recommended that cardholders use card insertion if they need multiple transactions! If the transaction amount of the merchant exceeds the normal consumption range, the bank's risk control system will directly refuse the transaction. For example, the normal transaction amount of roadside shops is between 65,438 yuan +00-500 yuan, and the normal consumption amount of supermarkets is between 20-800 yuan. If a single transaction exceeds this number, it may be rejected by the wind control system. Card swiping time is not the normal business hours of the merchant. Business hours are different because of different types of merchants. If you swipe your card during non-business hours, if it is monitored by the wind control system, the transaction will be rejected. Therefore, the time of swiping the card must be consistent with the business hours of the merchant. At night 1 1 and 12, there is something wrong with swiping your card at home appliances or large shopping malls. For example, the jewelry store pos machine jumps the code, and the acquiring company jumps the code to the gas station or restaurant. It's hard to control without your knowledge. It is suggested to make small transactions and credit card transactions 1000.
4. It is obviously abnormal to swipe your card for a long time in the same merchant or pos machine or swipe your card for a long time in a merchant or fixed merchant pos machine, and there is only one code for the acquiring institution. If the business transaction volume is too large, the system will automatically refuse. If a normal merchant has about 100 transactions a day, of which 20 transactions are cash payment, 20 transactions are online payment and 20 transactions are credit card payment. It is impossible for these 20 credit card transactions to have only one bank's credit card. If some sensitive bank credit card transactions are larger than the number of merchant transactions identified by the system, a prompt will appear. Merchants on the bank blacklist All banks will count their own "blacklisted" merchants. Merchants who enter this list should not use credit cards to spend money. Needless to say, they are easily controlled by the wind, and there is no score.