Reasons for China Bank Card Swallowing:
1. If the status of the card is loss reporting, the stolen card or frozen card will be swallowed;
2. In addition, if the card issuer sends an instruction to the equipment to force the card to be swallowed, it will also swallow the card;
3.ATM failure leads to card swallowing;
4. Swallowing the card due to the cardholder's operational error.
The above contents are for your reference. Please refer to the actual business regulations.
What does it mean to swipe a credit card and swallow it?
The credit card was frozen by the bank. Frozen credit cards can be unfrozen under certain conditions, please call the credit card customer service center to handle it.
1. Another way of saying credit card is that credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts. 20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.
2. Card swallowing is the case that the ATM machine is stuck due to some preset reason or sudden mechanical failure. Swallowing the card may transfer the card to a specific location in the ATM or leave it in the card slot.
There are many cases of card swallowing, such as: the card has been reported lost, the total number of password errors on that day exceeded 3 times, the card has not been taken out 30 seconds after the transaction is completed, and the bank has issued an instruction to collect the card. Generally speaking, if the ATM is in/near the branch of the bank after swallowing the card, you can get it back at the branch on the next working day with your ID card.
At the ATM of our convenience store or shopping mall, you need to contact the issuing bank to inquire about the branch and the time of card collection; Other ATMs need to contact our hotline first to see if there is anything wrong with their cards, and then call the hotline on the ATM to ask if they can get their cards back, or refer to the relevant instructions on the ATM.
Third, atm failure: If the atm fails when using the card, the bank card will be swallowed into the machine. Operation error: When an individual inserts a bank card into an atm machine, the bank card will be swallowed if the card is not picked up in time or forcibly inserted. In addition, if the card is not taken away within 30 seconds after the card is returned, the atm will automatically swallow the card. Abnormal bank card: the bank card inserted by an individual at the atm machine is abnormal and will be swallowed. If you insert a lost card, stolen card, fraudulent card, etc.
The reason why the bank card was swallowed
1, ATM machine failure. If there is something wrong with your ATM, your bank card will be swallowed to a great extent.
2. Operation error. Generally, when inserting a bank card into an ATM machine, if the operation is wrong, such as forcibly inserting the card without taking it out in time, these will lead to the bank card being swallowed. It should also be noted that ATM will automatically swallow the card if it is not taken out within 30 seconds after returning it.
3. The bank card is abnormal. If there is something wrong with the bank card inserted into the ATM, such as inserting a loss report card, stolen card, fake card, etc. , it will all be swallowed up.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; It is divided into personal cards and unit cards according to different issuers; According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.
Handling debit cards is relatively simple. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, and you can issue the card to the applicant.
There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person being processed may not be present.
Minors who have reached the age of 16 but under the age of 18 can apply for debit cards at the bank counter by presenting their work certificates and ID cards. Those who do not take part in the work still need the assistance of the guardian, and the person being treated may not be present. Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately.
According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.
The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true.
After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards.
Why is the bank card swallowed?
ATM card swallowing can basically be summarized as the following reasons:
The customer forgot the bank card password and entered the wrong password three times in a row, and the ATM automatically swallowed the card;
The ATM is broken, or the bank staff forgot to put cash into the ATM;
The bank card has been degaussed, the customer inserts the bank card into the ATM without knowing it, the bank card is spit out, and the ATM swallows the card after the customer inserts it again;
The customer forgot to press the card return button after withdrawing money, which caused the ATM to swallow the card automatically after overtime;
After the customer presses the card pick-up button, the card is not picked up in time in the card pick-up slot, which causes the ATM to swallow the card automatically after overtime;
There is insufficient funds in the bank card, and the card is swallowed by the customer's forced operation.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes.
The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true. Under normal circumstances, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption.
Bank card management fee mainly refers to small account management fee.
1. ICBC: 3 yuan/quarter is lower than 300 yuan's small account management fee;
2. Agricultural Bank of China: 300-500 yuan will charge small account management fee for 3 yuan/quarter;
3. China Construction Bank: small account management fee within 300-500 yuan 3 yuan/quarter;
4. Bank of China: the small account management fee in 3 yuan/quarter is lower than that in 500 yuan;
5. Bank of Communications: 3 yuan/quarter is lower than 300 yuan's small account management fee;
6. China Postal Savings Bank: the management fee for small accounts below 100 yuan shall be charged according to 3 yuan every quarter;
7. China Minsheng Bank: Shenzhen collects a one-time small account management fee of less than 5,000 yuan (5,000 yuan) 36 yuan/year;
8. Everbright Bank: At present, there is no small account management fee;
9. CITIC Bank: At present, there is no small account management fee;
10, Huaxia Bank: There is no small account management fee at present;
1 1. Shanghai Pudong Development Bank: There is no small account management fee at present;
12, Industrial Bank: There is no small account management fee at present;
13. China merchants bank: the average daily deposit balance is less than 10000 yuan (ten thousand yuan), and the small account management fee is 1 yuan/month;
14. SDB: 3 yuan/quarter is lower than 300 yuan's small account management fee;
15. guangfa bank: the average daily deposit balance is lower than the small account management fee charged by 500 yuan 3 yuan/quarter;
16. Bohai Bank: There is no small account management fee at present;
17, hengfeng bank: There is no small account management fee at present;
18, Zheshang Bank: There is no small account management fee at present;
19, Bank of Beijing: There is no small account management fee at present;
20. Shanghai Bank: 3 yuan/quarter lower than 300 yuan's small account management fee;
2 1, bank of tianjin: 3 yuan/quarter lower than 300 yuan's small account management fee;
22. If the average daily balance of Ping An Bank account is less than 1 ,000 yuan, 2 yuan/monthly account management fee will be charged.
On the third day of New Year's Eve, the password of rural credit card withdrawing money from ABC is also correct. Why did you swallow cards?
It is understood that there are three main reasons for credit card swallowing: one is caused by the cardholder's operational mistakes, such as entering the wrong password for more than three consecutive times, not taking the card over time, forcibly inserting the card, etc.; One is that the ATM machine or system fails; There is also a kind of credit card with abnormal status, such as loss reporting card, fake card and frozen card.
Why does ATM swallow cards?
ATM swallowed the card normally because the credit card expired or the account was frozen; The cardholder fails to retrieve the card within 30 seconds after completing the ATM operation; Password error for more than three times (including three times); Misoperation or machine failure may also lead to card swallowing. The ATM swallows the card normally, and the machine will spit out the card swallowing receipt, and there will be a card swallowing prompt on the screen. The cardholder can take the receipt to the management bank to get the card.
2 ~ 5 seconds after the banknote is issued, if no one takes the banknote, the ATM will swallow it back. When withdrawing money, it must count and find suspicious banknotes, aim the banknote crown number at the ATM camera, stay for a few more seconds, and then slowly move back and forth. This allows the camera to record at an optimal distance, and then take the banknotes to the bank for identification. If it is counterfeit money, you should immediately complain to the bank and keep the crown number printed when withdrawing money.
Extended data:
operational approach
1. Insert the bank card with the magnetic stripe facing down and the side with the magnetic stripe facing right into the ATM machine.
2. If there are some prompt words on the screen, just click "OK", and the "OK" key is at 4 or 8.
3. Enter the card password. After entering, some can directly enter the withdrawal screen, and some need to press Enter 4 or 8.
4. You can see "Inquiry", "Withdrawal", "Transfer" and "Refund Card" on the screen, and select the corresponding buttons. That's eight buttons. Don't worry. Read it clearly and press the corresponding button next to the option.
5. Press "Withdraw" to enter the withdrawal amount. If there are convenient prompts on the screen, such as: 1000 yuan, 800 yuan, 500 yuan, etc. , you can directly press the corresponding button. If not, find the "Other Amounts" key, then freely enter the amount to be withdrawn, and press the "Confirm" key after entering the amount.
6. At this time, stare at the "cash outlet". If no one picks up the bill, the ATM will swallow it back 2-5 seconds after the bill is issued. When withdrawing money, be sure to count the suspicious banknotes, aim the banknote crown number at the ATM camera, stay for a few more seconds, and then slowly move back and forth. This allows the camera to record at an optimal distance, and then take the banknotes to the bank for identification. If it is counterfeit money, you should immediately complain to the bank and keep the crown number printed when withdrawing money.
7. After withdrawing money, you can withdraw money or inquire again.
8. If you don't want to continue the operation, click "Return Card" prompted on the screen to exit the bank card.
Use skills
Use skills of ATM machine
In order to minimize the potential risks of transactions using ATM machines, please follow the following tips:
Get everything you need before you arrive at the ATM-don't spend too much time sorting out your wallet or exposing cash after withdrawing money.
Pay attention to shielding when entering the password.
I want to find an ATM located in.
When using the drive-in ATM, lock the door and keep the engine running.
If there are people lurking or suspicious around, please find another ATM machine to use.
Avoid using ATMs with card readers (devices installed on ATMs that can read the information in the cards). Please carefully check whether there are suspicious items near the ATM.
Why do credit cards swallow cards? Let's stop here.