There are unknown consumption, over-limit consumption or other abnormal conditions in the credit card bill. When a credit card hits a non-operating institution, it usually means that the bank will mark the transaction as a non-operating institution when there is unknown consumption, over-limit consumption or other abnormal conditions in the credit card bill. Non-operating institutions refer to institutions or enterprises that have no business dealings with banks, such as some small enterprises and individual industrial and commercial households. These merchants may not be able to establish business cooperation with banks directly, but settle transactions through third-party payment platforms.