How is it that there is money in the automatic repayment card of credit card but the repayment fails?

How is it that there is money in the automatic repayment card of credit card but the repayment fails?

The opening of the summer vacation tour mode has set off a round of consumption peak. Many cardholders who like to swipe their cards have handled the automatic repayment business of inter-bank associated debit cards in order to repay conveniently and quickly. However, recently, some citizens found that their debit cards had sufficient balance, but it showed that credit card repayment failed. It turns out that some banks have lowered the automatic repayment limit of credit cards, that is, the repayment amount exceeds the bank limit, and the failure to repay in full in time will lead to the embarrassment of repayment failure and may also affect personal credit records.

The single repayment limit of some banks is 654.38 million yuan.

Mr. Li, a citizen, said: "Last month, my wife and I signed up for an outbound tour and swiped 6,543,800 yuan with a credit card. This month, on the repayment date, the bank sent a text message, and the credit card deduction was unsuccessful. After the inquiry, it was learned that the deduction limit of China Merchants Bank's inter-bank credit card fell to 6.5438+0.2 million yuan, and 6.5438+0.2 million yuan exceeded the threshold of inter-bank automatic repayment. "

The reporter noted that on July 30, official website of China Everbright Bank announced the debit card transfer limit for inter-bank automatic repayment, of which the single repayment limit of Agricultural Bank and China Bank was 50,000 yuan, and the single-day cumulative repayment limit was 654.38+ 10,000 yuan; The single repayment limit of Industrial Bank is RMB 50,000; The single repayment limit of the Postal Savings Bank is 6,543.8 yuan+0,000 yuan; The single repayment limit of China Merchants Bank is RMB 6,543,800+0,000.

Official website, Credit Card Center of Ping An Bank, also said that due to the recent temporary adjustment of the repayment limit of some inter-bank credit cards by China Merchants Bank, the single repayment amount should be within 6,543.8+0,000 yuan (excluding 6,543.8+0,000 yuan). "This means that if citizens are bound to China Merchants Bank for automatic repayment, the repayment amount should be within 1 1,000 yuan (excluding 1 1,000 yuan), otherwise it will lead to unsuccessful transaction and excessive deduction." The staff of the Credit Card Center of Ping An Bank Huizhou Branch said.

Pay attention to the details of inter-bank automatic repayment

It is reported that at present, banks such as Guangfa, Shanghai Pudong Development Bank, Ping An, Communications, China Everbright Bank, China Minsheng Bank and CITIC Bank have all launched inter-bank automatic repayment of credit cards. Different debit card banks have different automatic repayment limits, but credit cards bound by the same bank's debit card are often not limited by the amount.

Generally, the increase or decrease of the automatic inter-bank repayment limit for bound credit cards is determined by the issuing bank of the bound savings card, and the credit card issuing bank only cooperates. At the same time, it is necessary to pay attention to the details when binding credit card cross-bank automatic repayment.

Everbright Bank Credit Card Center reminds that on the due repayment date, the bank will only make automatic deductions, and will not make additional deductions. Therefore, in order to ensure the timely and successful repayment, the cardholder needs to ensure that the single active repayment amount or the remaining repayment amount of the current bill is less than the transfer-out limit of the debit card issuer, otherwise the repayment will fail.

Bankers reminded that if the credit card overdraft amount exceeds the automatic deduction limit of the debit card of the associated bank, it needs to be repaid manually. It is suggested that credit card users can set the automatic deduction period to three days before the last repayment date and set repayment reminders to avoid affecting their credit records. In addition, most banks only support RMB automatic transfer repayment, and do not support signing foreign currency automatic transfer repayment business.

Once it is found that the credit card is overdue, it may affect personal credit history. However, industry insiders said that banks still have a three-day grace period on the final repayment date, so as long as cardholders can repay the minimum repayment amount as soon as possible within the grace period, there will be no problems of late payment fees and personal credit records.