If you have a poor credit score, improve your credit. The reason why Industrial Bank's credit card score is insufficient and cannot be swiped is because Industrial Bank uses a credit scoring model to assess the credit risk of customers. If the credit score is insufficient, that is, there may be bad records such as overdue credit cards, high credit card usage, and failure to repay debts on time in the credit record, the bank may consider the credit risk to be higher, and therefore limit or reject card swiping operations. Credit card bills need to be paid off on time and other debts need to be taken care of as well. This helps improve your credit rating for future credit card purchases.