1, and the balance in the card has been purchased for wealth management products or time deposits. If the cardholder has purchased some consignment funds or made a time deposit, although the card has money at this time, the money is frozen and cannot be used.

2. The balance in the card is not enough to pay the consumption amount. If the price of goods purchased by the cardholder far exceeds the balance in the card when spending by credit card, it will also show that the balance in the card is insufficient. For example, if the commodity 100 yuan is only 80 yuan in the bank card, it will show that the balance is insufficient when using the bank card to pay. Or the daily consumption limit of the bank card is 5000 yuan, but if the purchase amount exceeds this number, it will prompt that the available balance is insufficient. The first is to recharge the bank card, and the second is to lift the consumption restrictions.

3. System error. When a user uses a credit card to spend or withdraw money, it may be because of an error in the banking system, resulting in money in the card but insufficient balance.

4. If the bank card is not used for a long time, the system will automatically deduct the annual fee and small account management fee; The funds deposited by the user in the bank card have not yet arrived.

5. Bank cards have signed many withholding agreements and are often deducted by third parties; The bank card itself has a small balance.

6. Freezing: Bank cards will be frozen due to incorrect continuous password input, abnormal credit card transactions and credit card overdraft, and the other is judicial administrative freezing, and banks must cooperate.

7. Transfer cancellation: when someone else transfers money to you. If you transfer money through the ATM, you can apply to the issuing bank for cancellation of the transfer within 24 hours after it is accepted by the issuing bank.

Two, the bank card account balance refers to the current available credit card balance of credit card holders. That is, the credit limit of your credit card is useless. To put it bluntly, it is the credit limit that can be overdrawn at present. Available balance refers to the unused credit limit in your credit card. To put it bluntly, it is the credit limit that can be overdrawn at present.