What do you mean, the total transaction amount below 50 yuan has exceeded 100 yuan?

It means that your single transaction is below 50 yuan, but the sum of multiple transactions exceeds 100 yuan.

In terms of credit cards, not every transaction is reminded by SMS. In the second half of last year, ICBC no longer sent SMS reminders to the changes of RMB transaction balance of credit cards in 300 yuan and below, but sent them through e-Unicom. On May 23rd this year, the Agricultural Bank of China adjusted the starting amount of domestic POS machines to send free SMS to a single 500 yuan (inclusive).

In addition, credit card SMS reminder services of China Construction Bank, Bank of Communications, Industrial Bank, Ping An Bank, Shanghai Pudong Development Bank, China Merchants Bank, China CITIC Bank, Minsheng Bank and other banks all have minimum payment requirements, and SMS reminders will be sent free of charge only when a single consumption reaches a certain amount, with minimum payment ranging from 200 yuan to 1500 yuan.

After banks raise the threshold of free SMS reminders, citizens need to pay SMS reminders for small transactions. At present, SMS reminder service fees for debit cards and credit cards range from 2 yuan to 4 yuan every month.

It is understood that banks set the threshold for free SMS reminders of bank cards, mainly to reduce costs. At present, a number of banks have launched WeChat banking services. As long as citizens pay attention to the official micro-signals of banks and bind bank cards, they can receive information on changes in account amounts in time.

Recovery of over-limit transaction amount

Friends who often swipe their cards sometimes encounter a "transaction exceeded" prompt during the process of swiping their cards. There are many reasons for the transaction exceeding the limit, including that the credit limit of the credit card has been exhausted, the available credit limit is insufficient, the balance of the bank card is insufficient, or the transaction amount stuck in a certain payment channel has reached the upper limit.

1. The transaction amount limit refers to the prompt of the POS machine or payment page for the transaction amount limit when spending by credit card. Generally speaking, when users of bank cards or credit cards use fast payment such as Alipay, the issuing bank will limit the amount that can be paid.

2. The specific recovery time of the transaction amount exceeding the limit needs to be analyzed according to the specific situation. If the trading limit is set by the user himself, it can be restored after canceling the setting; If it only exceeds the bank's one-day consumption quota, and it is limited, it will generally resume the next day; If the limit is due to bank risk control, it usually takes 1 to 3 working days.