What does it mean that the bank card is restricted?

Bank card restricted transactions mainly refer to the failure of bank cards to pay, withdraw cash and transfer money normally. The main situations of restricted transactions of ordinary bank cards are as follows:

bank card

Recently, a number of commercial banks have lowered the counter business limit of personal settlement accounts to cope with frequent telecommunication network fraud cases and ensure the safety of customers' funds.

Among them, personal non-counter transaction means that personal bank accounts are not traded at the counter of bank outlets, but through non-counter channels, such as online banking, mobile banking, automatic teller machines, POS machines and third-party payment platforms.

To this end, if we engage in personal OTC business, if the amount exceeds the limit, we will be restricted from trading.

General banks regularly clean up customer information. When the information reserved by customers in the bank is found to be imperfect, such as expired ID cards and incomplete customer information, some transactions will be restricted in batches.

In this case, we can only bring valid identity documents and go to the bank to reissue them.

Our savings card has two passwords, namely "mobile banking login password" and "transaction password".

Whether it is a login password or a transaction password, the bank card will be locked as long as the number of incorrect entries exceeds the limit.

Bank card password

Bank cards identified as sleep accounts generally restrict off-exchange transactions.

Bank card sleep account refers to a card that has little or no balance after a certain period of time and cannot be used. Different banks have different standards. For example, CITIC Bank considers that the balance is less than 10 yuan and there is no transaction for two years or more.

In fact, bank cards have a term of use, and different banks have different regulations. Savings cards have a longer service life than credit cards. Generally, credit cards last for 3-5 years, and savings cards 10 years or so.

If the bank card has expired, it can no longer be used. You need to get a new card.

In addition, bank card damage will limit bank card transactions. For example, non-chip cards cannot read data after degaussing, and some people's credit card cashing is recognized by the banking system.

Cash a credit card

Related Q&A: What should I do if the bank card tip exceeds the limit? Once users meet the daily consumption limit, they need to bring their bank cards and ID cards to the bank outlets near the line, and ask the staff to help modify the bank card limit. When we use the bank card to transfer money, we should try not to have too much money at a time, because it is easy to exceed the limit in a single day if the transfer amount is too large. : Precautions for bank cards 1. When entering the password, be careful to cover it with your hand. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately; 2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks; It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will. 4. When spending by credit card, don't let the bank card leave sight, pay attention to the number of times the cashier swipes the card, and check whether the amount on the shopping list is correct and whether it is my card when getting the shopping list and card; 5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found; 6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time. 7. Bank cards should not be placed with mobile phones, televisions, stereos, microwave ovens and other electrical appliances with strong magnetic fields. It's better to put them far away. Don't put multiple bank cards and passbooks together. 8. Try to separate the cards with pieces of paper to play the role of spacing. 9. You can use a special bank card case or anti-magnetic card case. The same bank can only open four cards at most. 2065438+In February, 2005, China Banking Regulatory Commission issued the Notice on the Banking Industry's Work Related to Combating and Governing New Crimes in Telecommunication Networks (hereinafter referred to as the Notice). The notice stipulates that 2065438+2006+ 1 opens the same customer in the same institution. At the same time, the notice also stipulates that "in principle, the same agent shall not open more than three cards in the same commercial bank. The debit card opened by the agent can only be used after the agent takes his valid ID card to the counter to activate the card. " The notice also requires that for customers who already have more than four debit cards, banks should take the initiative to contact customers for verification, and if they find that they are unwilling to handle it, they should suspend their services.