Hello, credit card failure means that after the user uses the credit card limit for consumption, the consumption amount has not been recorded in time and transmitted to the banking system to form a liability. Usually, after using a credit card to make a purchase, there will be a process from swiping the card to being charged to the credit card bill. This process is the settlement process between the merchant, the payment institution, and then the bank. Usually, card transactions made on the same day will be credited to the account the next day at the latest. The entry of a credit card into the account must be distinguished from the date of the credit card bill. After the credit card is entered, a liability will be formed, and the credit card bill means the expenses that the cardholder must repay before the final repayment date.

In addition, credit card failure may also occur during credit card repayment, which means that after the user repays the credit card, the funds have not yet been returned to the credit card, and the bank system has not successfully collected statistics. In this case It could be caused by delays in the banking system. When faced with the situation that credit card repayments are not credited to the account, it is recommended that users consult the bank in time to find out clearly to avoid overdue repayments due to delays in credit card payments.