The failure of cardholder identity authentication may be because your card has been degaussed. Try another card.

First, credit card holder identity verification fails

This situation often occurs when swiping cards at POS machines. When cashiers operate our credit cards at the POS, they need to verify the cardholder's identity. Only after successful authentication can you swipe your card for consumption. However, the POS machine prompts that the cardholder authentication failed, which means that your credit card cannot be swiped and the payment cannot be completed. At that time, you will need to change to another credit card or pay directly with cash.

Second, we need to find out the reason for the authentication failure and then solve it.

The machine displays authentication failure when swiping the card. In this regard, we need to consider whether there is an abnormality with your card, whether the new card has not been activated, the consumption permission has not been activated, or whether the old card has expired. The failure of cardholder authentication should be a problem when swiping the card. At this time, we can see from these aspects:

1. This is the error code returned by UnionPay. Usually you can only change the card.

2. Check the status of the card. Whether the magnetic stripe card is often placed with the metal phone, whether it is an inactive card (referring to the credit card here), and whether it is locked due to too many errors on the same day. The password on the machine, and finally check whether the card has expired (here again refers to the credit card). Finally, you need to call your bank customer service for confirmation.

3. Check the credit card machine. Traditional machines are also connected via mobile networks. If you are in a place with poor signal and cannot receive the return data, it will also fail.

4. Check whether the card is a single-currency overseas card. The cards issued by some banks do not have the UnionPay logo, but only the Visa or MasterCard logo. This card cannot be used on home machines.

If the above four situations do not exist, it is recommended to change the phone and swipe the card. If not, apply for a new card.

: To increase your credit card limit, it is recommended to develop the habit of swiping your card for consumption. Use credit cards frequently, preferably involving multiple types of merchants; handle business more through China Construction Bank and increase your assets in China Construction Bank, such as financial management and deposits. , funds, insurance, foreign exchange, etc.; try to repay the loan in full on a daily basis to ensure a good personal credit report.