Why is the bank card rich but shows insufficient balance?

If the bank finds suspicious transactions, then in order to ensure the safety of funds, the bank will choose to temporarily freeze the user's bank card, or the bank card may be frozen by the judiciary. If it is frozen, using the bank card will show that the balance is insufficient. Users are advised to contact the bank in time to understand the reasons and solutions.

2. The bank card has an overdraft limit.

Bank cards may have overdraft restrictions. When the amount we usually withdraw or consume exceeds the overdraft limit, it will show that the balance is insufficient. In this case, users can apply to the bank to increase the overdraft limit, or adjust our daily consumption habits to prevent this from happening again.

3. System failure or network delay

Sometimes in the early summer, the mobile phone network or banking system will break down or the network will get stuck, which will lead to the situation that even if there is a lot of money in the bank card, the balance will be insufficient. If the network is stuck, the account information cannot be refreshed in time, which may also lead to insufficient display balance. The user can try again later or contact the bank.

4. Incorrect continuous password input.

If the user enters the wrong password several times in a row during the payment process, the balance displayed on the bank card may be insufficient. At this time, you should first carefully check whether there is any problem with the operation. If you forget your password, ask the bank for help and get it back in time.

5, long-term non-use

If the bank card is not used for a long time, the system will automatically deduct the annual fee and small account management fee, and then the balance is insufficient.

6. Overpayment

There may be money in the bank card, which may be because the amount paid by the user exceeds the remaining account limit of the bank card, so the balance will be insufficient during the transaction, leading to the failure of the transaction.

7. Including time deposits

If the funds in the bank card can be divided into fixed term and current term, if the user has money in the bank card but the balance is insufficient, then it is very likely that the money in the bank card is a time deposit and the money in the time deposit cannot be used directly.