Zhongxin Finance, April 13 (Zuo Yuqing) On the 12th, "many banks lowered the online transaction limit of personal accounts" became a hot topic. In this regard, many netizens expressed "anxiety about using cards".

　　Which banks have adjusted the limit?

Is the consumption transaction limit or the transfer limit lowered?

　　Zhongxin Finance checked the announcements of many banks, contacted the customer service or sales department staff of many banks, and found that the scope and amount of service items for adjusting the limit of many banks are different.

Agricultural Bank of China: Adjusted personal online banking and mobile banking transfer limits for some customers

　　The Agricultural Bank of China announced that it will gradually adjust the personal online banking and mobile banking transfer limits for some customers.

Announcement of the Agricultural Bank of China on reducing the transaction limit of some customers through online financial channels.

　　"It's mainly to prevent risks, such as telecommunications network fraud." Agricultural Bank customer service staff told Zhongxin Finance that the policy only targets some customers in some regions.

Everbright Bank: Adjusting the credit card online payment transaction limit, customer service said it was "raising the limit"

　　In the announcement, the Everbright Bank Credit Card Center clarified the online payment transaction limits including consumption through various online transaction channels: "From May 12, 2022, the default single limit and single-day limit for online payment transactions will be unified this time. Adjusted to 10,000 yuan."

　　Regarding this adjustment, the customer service of China Everbright Bank denied the claim of "lowering the limit": "The previous one-day limit for credit cards was 3,000-5,000 yuan, and this adjustment should be said to be an increase."

Announcement of China Everbright Bank on Adjusting the Limit of Online Payment Transactions.

　　The customer service of China Everbright Bank stated that, in addition to the unified adjustment of the credit card limit to 10,000 yuan, the current single limit and single-day limit of China Everbright Bank’s savings card is 5,000 yuan, which is limited to some customers.

Shanghai Pudong Development Bank: Some branches adjust the personal non-counter business limit

　　According to reports, Shanghai Pudong Development Bank Chengdu Branch, Changsha Branch, Fuzhou Branch, etc. have also stated that they will appropriately adjust the non-counter business limit of personal bank settlement accounts according to account usage.

　　The staff of a branch of Shanghai Pudong Development Bank in Changsha said that compared with the type I account, the type II account is more restricted, with a daily limit of only 10,000 yuan, and the current type II account is no longer accepted for online banking.

Three bank customer service: customers can increase the amount according to actual needs

　　Under the hot topic of "many banks reduce online transaction limits for personal accounts", some netizens said, "Some bank card limits have been reduced to 1,000 yuan, will it really not affect normal online consumption?"

　　However, although the limits of different banks' different service scopes for personal accounts have been adjusted, the customer service of the three banks said that customers can increase the amount according to actual needs.

　　Everbright Bank customer service said that customers can independently modify the online payment transaction limit through the APP "transaction limit setting" and customer service channels.

The customer service of Agricultural Bank and Shanghai Pudong Development Bank said that customers can carry valid ID cards and bank cards to go to any outlet for withdrawal.

Data map: A consumer is scanning a code to pay.

Photo by China News Agency reporter Liu Ranyang

Expert: Most bank users not affected by limit adjustment

　　Dong Ximiao, chief researcher of China Merchants Union Finance, chief researcher of Zhongguancun Internet Finance Research Institute, and part-time researcher of Fudan University Financial Research Institute, said that the bank's adjustment of the online payment limit of bank cards is mainly for some sleep accounts that have not been used for a long time, or some small accounts.

　　"These bank accounts are likely to be used by telecommunications fraudsters, threatening the security of users' funds and information." He said that some users were identified as non-compliant transactions due to too frequent transactions.

But such people are very rare.

　　Dong Ximiao said that in addition to specific users, the limit policies of many banks are only for certain regions.

"It may be screened out based on big data, where telecom fraud is rampant."

　　"Under the current limit policy, the vast majority of bank users will not be affected by the limit adjustment." In Dong Ximiao's view, "Users do not need to be overly anxious or over-interpreted."

　　At the same time, Dong Ximiao reminded that cardholders should strengthen the risk management of their accounts and cancel their accounts in a timely manner if they have not been used for a long time.

"More importantly, do not lend, rent or sell bank accounts to prevent others from using bank cards for illegal activities."

　　"Strengthening user account and card management will be the general trend." Pan Helin, co-director and researcher of the Digital Economy and Financial Innovation Research Center of Zhejiang University International Business School, believes that in the past few years, banks have neglected the management of card business, resulting in a large number of Cards are idle, and more banks will follow up on card management in the future.

　　Pan Helin said that in terms of limit management, the bank is expected to set the limit according to the use of the user's bank card in the future, to balance the convenience of customers and the security of funds, and to adopt different management methods for different customers.

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