Credit card quota limiting method and device

The invention provides a credit card amount limiting method and device, and the method comprises the steps: receiving password data, credit card account data and a current consumption amount which arecollected by a transaction terminal and correspond to a current transaction request, and obtaining a plurality of pieces of transaction password data corresponding to the credit card account data according to the credit card account information; judging whether password data acquired by the transaction terminal exists in the plurality of pieces of transaction password data or not, and if so, determining the password type of the corresponding transaction password data according to the password data acquired by the transaction terminal; and if the password type is a limit password type, judgingwhether the current consumption amount exceeds a preset consumption limit or not, and if so, sending balance insufficiency prompt information for the credit card account data to the transaction terminal. According to the inve