Agriculture bank credit card over limit limit how to do?

If the bank gives feedback that this card has exceeded its limit, there are two possible reasons:

1. The amount spent exceeds the maximum credit limit of the card.

2. The purchase exceeded the single payment limit.

If the credit card exceeds the limit because of insufficient credit limit, you can pay with another card; if it is because of the single payment limit, you can modify the amount of this payment and divide it into multiple payments.

Supplementary information:

One, the bank feedback that this card exceeds the limit solution:

1, modify the limit of the card

Encountering the limit of the card, you can go to modify the limit of the amount of restriction, there are two main ways:

One is to take the bank card and ID card to the nearby bank outlets to let the staff to help modify the limit of the bank card.

The other way is to log on to the Internet banking to modify, as long as you log on to your personal Internet banking account, and then find the payment management, you can carry out the relevant operations, but this method is only applicable to customers who have opened the Internet banking account.

2, switch the payment method

Bank card limit is to restrain your consumption, so when the bank card consumption is limited, you can choose to change a payment method to complete the consumption, such as replacing the bank card or using the balance account.

3, do not transfer too much money at once

Bank cards will also have a limit on transfers, which is to avoid transferring too much money and risk, so when using a bank card to transfer money, don't transfer too much money at once on the line, either use a number of small amount of money to transfer instead.

4, do a high limit of bank card

If your bank card limit is low, you can also choose to go for a high limit of bank card, which is also one of the most direct and effective way to solve the limit.

Second, how to lift the bank card limit

1, take the bank card and ID card to the nearby bank branch to let the staff help to modify the limit of the bank card.

2, log in online banking to modify their own, as long as the login personal online banking account, and then find the payment management, you can carry out the relevant operations, but this method is only applicable to customers who have opened the Internet banking account.

Three, the bank card limit can still receive money

Generally, the bank card account limit can still receive money, often the bank card limit limit the amount of users to transfer transactions, and more restrictions on the amount of online transactions, the user through the bank counter operation or not limit the amount of restrictions. The card limit doesn't limit the amount of money you can receive on your account, so you can still receive the money if someone else transfers it to you.

What if I exceed my credit card limit?

Now we are almost everyone will use the credit card, but the use of credit card posture is like a little white general, do not know much, now we are on the subject of this problem to explain briefly.

The credit card limit is the bank according to personal credit, asset report, debt and other personal information to match the amount, first of all, we have to make it clear that the limit is not how much we want to how big, is the bank credit card center according to the individual comprehensive assessment, you can apply for a reduction in the amount of money, you can apply for a raise, the amount of money to meet the requirements of the amount of money to meet the requirements of the amount of money to meet the requirements of the requirements of the amount of money to meet the requirements of the amount of money to meet the requirements of the amount of money to meet the requirements of the amount of money to meet the application.

1, credit card over limit amount? We analyze this issue from several aspects, bank credit card quota, divided into fixed quota, temporary quota, each bank also has a provision.

2, fixed quota, each credit card after the card will give the user a fixed quota, fixed quota used up, you need to pay off before the repayment date of the consumption quota.

3, temporary quota, temporary quota is based on your credit card use consumption, generally using a credit card to use 3 months later will give you a temporary quota, this quota is the bank to match you, according to your consumption, repayment ability is not variable, the temporary quota is generally 40 days to 60, the use of normal consumption, does not incur costs.

4, to the Bank of Communications credit card, for example, normal consumption, normal repayment, not late, the Bank of Communications credit card center has a business called the good enjoyment of credit, if your Bank of Communications credit card use has reached the threshold of the loan, the Bank of Communications credit card will give you a good enjoyment of the loan business, the amount is generally more than double the credit card amount of your credit card, of course, the amount is the analysis of big data, the mood to give higher, the mood to give less! Give a little higher, the mood is not good to give a little less. [The first thing you need to do is to get a good deal of money from the bank to pay for the loan, and then you have to pay for it.

What to do if your credit card exceeds your credit limit

As long as you are successful in swiping your credit card, the credit card overuse will be credited together with your current credit card bill, and you will be able to pay off the outstanding amount before the repayment date. Generally speaking, the credit card overlimit is 20% of the fixed limit, but the overlimit can only be used if the user's credit limit is insufficient at the time of payment, and credit card cash advances do not support the overlimit. Credit card over-limit needs to charge 5% of the amount exceeding the fixed limit as over-limit handling fee, the amount used in excess of the fixed limit also enjoys an interest-free repayment period, but the repayment must be repaid in one lump sum.

Types of credit cards:

A credit card, also known as a credit card, is a proof of credit issued by a commercial bank or credit card company to a consumer with qualified credit. It takes the form of a card with the name of the issuing bank, expiration date, number, and name of the cardholder printed on the front and a magnetic strip and signature strip on the back. Consumers with credit cards can shop or spend money at specialized commercial services, and then the bank settles with the merchant and the cardholder, who can overdraw up to a specified limit.

By different card issuers, can be divided into bank cards and non-bank cards

Bank card. This is a credit card issued by the bank, the cardholder can shop and spend at the authorized merchants of the issuing bank, and can also withdraw cash at any time at all branches of the issuing bank or at places with automatic teller machines.

Non-bank card.

This type of card can be further specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial organizations, such as department stores, oil companies, etc. They are used exclusively for shopping at designated stores or refueling at gasoline stations, etc., and are settled periodically. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodations, and entertainment.

Corporate cards can be categorized into corporate cards and personal cards according to the different issuing objects

Corporate cards. Company card issuance object for all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, troops, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, science and technology workers, self-employed households and other adult urban and rural residents with a stable source of income. The personal card is applied for in the name of the individual and he or she bears all the responsibilities of using the card.

Depending on the creditworthiness and status of the cardholder, it can be categorized into ordinary card and gold card

Ordinary card. Ordinary cards are issued to cardholders with average financial strength and creditworthiness and status, for whom various requirements are not high.

Gold Card.

The gold card is a premium credit card that pays high dues and enjoys special treatment. The card is issued to people with high creditworthiness, strong repayment ability and credit or a certain social status. The authorization limit of the gold card starts from a higher point, and the additional services and scope are much wider, thus the requirements for the relevant service fees and guarantee deposits are also higher.

How many reasons are there for credit card transactions to exceed the limit? How to solve it?

Many friends swipe their credit cards, often prompted by the transaction amount exceeds the limit, but their credit card status is normal, not by the bank blocked, frozen, or stop payment, so this transaction amount exceeds the limit of a few reasons? What are the solutions? A look at.

Common reasons for credit card transactions exceeding the limit:

1, single / single day transaction amount is limited. There are many banks will set a single pen or single day transaction limit on the credit card, if you check this set limit, it will lead to transaction failure. In this case, it is recommended to call the bank to ask for the specific limit, and then split the transaction into multiple transactions, or change the payment method.

2. The amount of money spent on credit cards exceeds the POS transaction limit. Many of the UnionPOS provisions of the maximum amount of a single transaction does not exceed 50,000 yuan, some banks will also limit some merchants, this kind of situation there are two ways to solve the problem, one is a large amount of small amount of money split into multiple transactions, a kind of change in the payment method.

3, the payment method of card amount is limited. Generally common in the cloud flash payment, cloud flash payment has a small amount of secret-free function, many banks have different limits for this function, it is said that Ping An Bank, Guangfa Bank, small amount of double-free single-day limit of 3000, etc., also need to be split into small amounts of small multi-transaction.

4, credit card available limit is insufficient. Generally a single brush amount more than the current available credit card limit, such as to buy 3000 yuan of cell phones, the card only 2000 yuan of the available credit, the amount of less than 1000 yuan certainly can not be traded successfully, but also will be prompted by the amount of the transaction is over the limit, this can be the first to the credit card deposited into the insufficient part of the credit card, and so on the amount of the restoration of the credit card after the success of the brush.

In addition, if the credit card is wind control, such as late, illegal use of the card, debt and so on, this situation of credit card transactions over the limit, is very difficult to solve the problem, this will need to pay off the arrears, reduce the debt, and then develop good habits of using the card slowly to lift the wind control, the wind control is lifted all the better.

Credit card quota over how to

Credit card repayment over the quota part is generally known as "overpayment", this part of the money in the credit card available in the form of a negative number of forms of display, such as the use of credit card consumption of 100 yuan, but you pay back the For example, if you spend $100 on a credit card and you pay back $500, your next payment will be "-$400". The amount of money that exceeds the repayment limit will exist in your credit card, no interest or fees, generally for the handling of this money there are three ways:

One, cash

will be more than the amount of money to take out. But this operation will generate a certain fee, different banks have different charges, such as Guangfa Bank, whether you are in the Guangfa Bank ATM machine or in its bank counter to withdraw cash, whether it is the Bank or inter-bank, local or collapsed area, there is no handling fee, as long as you are in mainland China can be. For other banks, such as ICBC, CCB, Bank of Communications, Huaxia Bank, etc., there is no handling fee if you withdraw cash from local ATMs or bank counters, but if one of them does not meet the above conditions, a certain amount of handling fee will be charged. Therefore, you need to consult with your credit card's bank for the specific handling fee.

Second, the money stays on the card

Use the card to pay for things when you buy them. This method can be used if the amount of money exceeded is not large, and there is no interest or fee for using this money in your credit card for purchases.

Third, the money stay in the card as the next repayment offset

If you don't consume and leave this money in the card, it is equivalent to accumulate to your borrowing amount, in the next period of borrowing priority offset this part of the amount, in fact, this is actually the same principle with the method 2 is actually the same.

If your credit card will continue to be used and the amount of money you pay back is not large, then it is recommended that you leave the money on the card, because the credit card itself is designed to be used for people to spend money in advance, and there will not be any interest in depositing money in it, instead of withdrawing cash you need to pay a certain amount of fees.

Spending this money on a credit card will not generate interest or fees and will not affect your credit limit. It is also recommended that you choose a repayment method that is more suitable for your spending situation during the next credit card debit and repayment period to avoid the worry of overpayment.

Usage

POS swiping

Swiping a credit card at a POS is the most common way to use a credit card, and it is a form of networked swiping. When swiping a card, the operator should first check the expiration date of the credit card and the last name of the cardholder.

Then, select the appropriate POS according to the card issuer and the type of currency to be paid, cross the magnetic stripe of the magnetic stripe credit card over the POS, or insert the chip-type credit card into the card slot, connect to the bank and other payments, and enter the appropriate amount. Remote payment after accepting the information, the POS machine will hit the card payment receipt (at least two), the cardholder to check the information on the payment receipt is correct should be signed on this receipt.

The operator checks the signature on the receipt and the signature on the back of the credit card (including the name matches exactly and the handwriting basically matches), the credit card and the credit card payment receipt to the cardholder, so that the POS machine on the card program is completed.

RFID machine card

In the RFID machine in order to tap the card induction is a new type of credit card use, but also a networking method. When tapping the card, the operator should first check the expiration date of the credit card and the last name of the cardholder and other information.

Then, according to the card issuer and the need to pay the type of currency to choose the appropriate card machine, enter the appropriate amount of credit card will be placed flat in the sensor on top of no more than 10cm place. RFID machine senses the credit card will be issued after the signal sound, and then continue to operate the program, the remote payment of the acceptance of the information, the printer (such as the connection has been made) will be played to shoot the card to pay for the receipt, but with the former However, unlike the previous way, the cardholder does not need to sign, which is faster and more convenient than the previous way. At this point, the RFID machine on the card induction program is complete.

Manual pressure bill

Manual pressure bill is usually used in the absence of POS or can not be networked. A pressure-sensitive duplicate "direct purchase order" (at least two copies) and a telephone number are required for the ordering operation. The pre-press checks are the same as for a POS machine.

Then, the operator will use the credit card pressure equipment to credit card protruding, name, etc. printed on the purchase order, and write the amount, date and other information, and then call the acquiring bank to authorize the line phone, reported card information to apply for authorization, and will be obtained by the authorization code written in the purchase order, and then the cardholder to confirm the correctness of the signature.

After the operator verifies the signature, he/she hands over the credit card and one copy of the purchase order to the cardholder, and the manual press procedure is completed. The authorization phone number is usually called instantly.

In some areas with poor communications or good credit history, it may be possible for a merchant to complete the transaction by delivering the merchandise after the customer has signed the card. Authorization will be completed at a later date, but the merchant runs the risk of encountering a credit card (e.g., if a customer pays with an invalid card, it will not be immediately detected without an immediate request for an authorization code).

Internet payment

From the cardholder's point of view, internet payment is considered to be the most risky of the credit card's payment methods, as unsuspecting people may use phishing, eavesdropping on the internet, and fake payments to steal user information. When paying online, you need to enter your credit card expiration date, the Visa CVV2 code/MasterCard CVC2/UnionPay CVN2 number next to the signature line on the back of the card, your online transaction password, sometimes your name, and a randomly generated verification code on the webpage. Once the input is complete, tap Submit to complete the online payment. With the development of the Internet, the security of online payment and credit card payment has been gradually improved, thus also blowing up the online consumption trend wind.

Television and telephone transactions

Similar to online payments, they require, among other things, an expiration date, a Visa CVV2 code/MasterCard CVC2/UnionPay CVN2, and other information.

Pre-authorization

Pre-authorization is generally used to pay deposits, i.e., freezing a portion of the credit card's available credit as a deposit. Pre-authorization is similar to the process of manually pressing a bill, but the content of the call is a request for pre-authorization of the appropriate amount, not a request for payment, and there is no need to press a bill, but only need to produce proof of receipt of the deposit.

Generally the pre-authorization will be cancelled by the merchant at checkout. If the merchant forgets to cancel it, you can call the merchant to request cancellation; you cannot cancel it by calling the authorizing agency yourself. Or, wait for the bank to cancel the preauthorization automatically (usually ranging from 7 to 30 days)

This is all we have to talk about for the introduction of what to do if your credit card limit is over the limit.