Card Control | BPI (2024)

FAQs

What does debit card control mean? ›

Card Controls is a mobile banking feature that lets you control how, when, and where your debit card is used. You can Enable/Disable a debit card for use, restrict card usage to specific types of Merchants and/or Transaction Types, set Transaction Limits and restrict card use to specific geographical regions.

STEP I: Login to your bank's internet banking portal with your credentials. STEP II: Go to the 'Value Added Services' or the 'Cards' section, depending on your bank's website, and choose 'debit card ON/OFF'. STEP III: Choose the card you want to enable from a list of all your linked debit cards.

Unlike credit cards, whose limits can be easily found on bank statements, online or on a mobile app, finding the limit on a debit card takes a bit more leg work. Some ways to check the daily limit on your debit card include calling your bank, visiting a branch or reading the account disclosure or agreement.

Card Controls, a mobile banking feature, allows users to control how, when, and where their debit/credit card is used. Customers an enable/disable a debit card for use, restrict card usage to specific types of merchants and set transaction limits.

Lack of available funds. Expired card information is being used. Possible magnetic strip damage (in this case, you'll need a new card). PIN was entered incorrectly.

You entered your card information incorrectly. You have an old address or phone number still on file. You reached your credit limit. Your card has expired.

Why was my card declined for an online purchase? The most likely reason for a debit card decline is inaccuracies in your transaction information. Re-entering the card number will often solve the problem.

Your ATM Withdrawal and Daily Debt Purchase limit will typically vary from $300 to $2,500 depending on who you bank with and what kind of account you have. There are no monetary limits for withdrawals from savings accounts, but federal law does limit the number of savings withdrawals to six each month.

Why is my debit card declined when I have money? ›

You've reached your daily purchase limit. Your debit card expired or is inactive. The bank finds the purchase suspicious. Your card is suspended.

Similar to an in-person ATM withdrawal, you could always write yourself a check to cash. This is a roundabout way to withdraw cash but can help you sidestep your ATM withdrawal limit in a pinch. Note that there may be another limit on the number of checks you can cash per day or amount you can cash per check.

If your card was blocked due to suspicious or fraudulent activity, you will not be able to withdraw money until the issue is resolved. And second If your card was blocked because you entered the wrong PIN too many times, you will need to contact your bank to have the block lifted before you can withdraw money again.

Contact your card issuer

Once you've decided which card you want, it's time to contact your bank or credit card issuer. Sometimes, you can see upgrade offers right in your online account. However, contacting your credit card issuer over the phone can ensure all your questions are answered before you switch.

Debit cards allow you to spend money by drawing on funds you have deposited at the bank. Credit cards allow you to borrow money from the card issuer up to a certain limit to purchase items or withdraw cash. You probably have at least one credit card and one debit card in your wallet.

Benefits of Card Controls

Reduce fraud by preventing the card to be used at stores, locations and more that are outside your normal spending habits. Manage your finances by setting a daily dollar limit to help keep your budget in check.

We have all experienced the inconvenience of a blocked ATM card, which can prevent us from accessing our hard-earned money. It can happen due to a variety of reasons such as entering the wrong PIN multiple times, expiration, theft, or loss of the card.

The Control Prepaid Mastercard is best for individuals with no credit or bad credit who have at least $500 in monthly direct deposits. You'll get your money up to two days faster than you would with a traditional bank. Plus, you can sock away cash for a rainy day in the optional savings account that earns up to 5% APY.

The easiest way to spot debit card fraud is to sign up for online banking and monitor your account for suspicious activity. Getting bank alerts, going paperless, destroying old debit cards, and protecting mobile devices are recommended ways to help prevent debit card fraud.