1, consult the customer service staff of the bank. Usually, you can use WeChat for trading. If you show that the bank refuses to trade when transferring money on WeChat, it means that there is something wrong with your bank card, and the bank will freeze the corresponding business. The reason for this is to better safeguard the safety of customers' funds and protect the interests of consumers. You need not be nervous. In this case, you can consult the bank customer service to see if there is any problem with the bank card and follow the customer service staff.

See if it's your problem. In this case, it is likely that the previous use exceeded the limit, so the bank will refuse to trade the next time. Then when you transfer money by bank card in the future, WeChat will remind you that there is no way to trade, because your amount has reached a certain limit and there is no way to trade any more. Of course, this situation may also be that you have entered the wrong password many times, so there will also be payment failures during the payment process, so you need to see if there is anything wrong with the operation of the mobile phone. If this happens, you don't have to worry. Generally, you can transfer money the next day.

3. Consult WeChat customer service staff. If it is not because of your own operation or bank card, you can consult WeChat customer service to see if there are any mistakes in the payment process and see how the customer service answers. After that, you can make the next decision according to the feedback from the customer service staff.

Banks refuse to trade, which may also be the following problems:

1. The credit card has expired.

2. The magnetic stripe is damaged and the data reading of the chip card fails.

3. Credit cards are consumed in non-bank supported businesses. Nowadays, many banks strictly control credit card transactions in consumer fields such as house purchase and investment. For example, China Construction Bank stipulates that credit cards may not be traded in domestic real estate business and real estate tax business, and time-sharing housing business, life insurance business, domestic property and tobacco business limit the transaction amount.

4. Credit cards with bad transaction records. The card used by consumers for payment has bad transaction records, such as refusal to pay. In this case, the transaction will be directly rejected by the bank, and it is necessary to contact the bank to replace the invalid credit card with a normal credit card to continue the transaction.

Why are all credit cards rejected? See why!

Nowadays, many people can handle credit card turnover. Some people have stable income and good credit, but no matter which bank they apply for, their cards are rejected, so I want to know why. In fact, there are many reasons why credit cards are rejected. In addition to the cardholder's own reasons, there are also bank factors. Let's take a look today.

Why are all credit cards rejected?

1. Tightening of risk control: The CBRC is now vigorously rectifying the credit card business, which has led to the tightening of risk control in many banks. On the one hand, it focuses on customers who have already applied for cards, and on the other hand, it raises the threshold for doing cards. This is not just a personal reason. Many people may be rejected. It depends on the efforts of cardholders to improve their credit status.

2. Credit failure: Bad credit not only means that it is not overdue, but also fails for some banks, such as too many credit reports or no credit records. Some people also get fake loans and fake cards. Although it's not my own business, overdue will also affect my credit. It is best to check the credit before handling the card and solve the problem as soon as possible.

3. Borrow more online loans: Although you don't need to pay off online loans to run a credit card, you can still pay attention to the amount and quantity owed by online loans. Many people borrow a lot of online loans, and if they owe more money, they will be questioned about their insufficient repayment ability. After all, only people who are short of money will borrow a lot.

4. High loan risk: Credit card approval will comprehensively evaluate the borrower's credit, income and liabilities. If you have too much debt, you have to pay off the debt with more than 50% of your income every month, and the cardholder usually has to pay the daily living expenses, and there is no extra money to pay back the credit card, which is risky to borrow.

The above is the introduction of "Why are all credit cards rejected". I hope it helps you. In short, credit cards are rejected for a reason, and everyone should analyze the specific situation.

What is the problem with credit cards that can't be swiped?

Credit card swiping is restricted for two reasons. First, there are many cash-out behaviors, which trigger the bank's risk control system, thus limiting credit card transactions. The other is that there is a risk of theft, triggering the credit card risk control system, in order to ensure the safety of funds and thus limit the use of transactions. If the credit card is restricted from trading, it is actually temporarily frozen. Need to contact the bank to consult the reasons and handle the cancellation.

credit card

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Credit card fraud

1. Credit cards can easily lead to excessive consumption. This is a common problem for people who are caught in card debt, and swiping the card does not hurt the banknotes, so the consumption of swiping the card is even more unrestrained. Excessive personal credit limit is not evidence of good credit (repayment record is), but the risk in the eyes of financiers, which may push up the loan interest rate.

2. The annual interest rate of the credit card is as high as 18%, which means++can make the borrower lose blood quickly. Credit card debt brings mental stress. Some card slaves report that they are often afraid of opening mailboxes or emails. If the credit is not good, the cost of borrowing money is higher, and even money cannot be borrowed.

3. Credit card provides the option of raising debts by debt and quenching thirst by drinking poison, which leads to debt out of control. The short-term preferential interest rate is not worth the loss in the end. A certain proportion of people will turn emergency financing into long-term debt. Don't be tempted by short-term low interest rates to make unnecessary loans.

4. Excessive personal credit line is not only evidence of good credit (repayment record is), but also a risk in the eyes of financiers, which may push up the loan interest rate.

Prerequisites for applying for a credit card for the first time:

1. The applicant is over 18 years old and has full capacity for civil conduct;

2. The applicant has a stable job and income, and has the ability to repay the credit card arrears on time;

3. The applicant's personal credit status is good.

Applicants who meet the above basic conditions have the opportunity to apply for ordinary credit cards. There are different grades of bank credit cards, which usually include ordinary cards, gold cards and platinum cards. Among them, the universal card is the easiest to handle. If you apply for a credit card with a gold card or above, you generally need the applicant to provide some financial proof materials. If it is the first time to apply for a credit card, my income is not high. I suggest it will be easier to apply for an ordinary card.

Why did the credit card refuse to trade?

1 issuer reason

Sometimes credit cards refuse to pay because the card issuer refuses to trade. The specific reason why the issuing bank of consumer consumption refuses the transaction needs the cardholder to contact the issuing bank to find out.

The credit card itself has problems.

For example, the credit card balance is insufficient, the credit card swiping amount exceeds the single/daily/monthly payment limit, and the credit card is stopped. At this time, using a problematic credit card to pay by credit card will also lead to refusal to pay.

3 Credit cards are at risk of being stolen.

Cross-border transactions are likely to involve credit card theft, especially if the cardholder's recent transactions are all in China, and then cross-border transactions suddenly occur, the bank will suspect that the card was stolen from abroad and refuse to pay. If the IP paid by the consumer comes from an area listed as high risk by international credit card organizations, the system is likely to judge it as a high-risk transaction and refuse to deduct money.

4 network or equipment failure

There are also some cases where payment is refused for objective reasons, such as network problems during online payment, card swiping equipment failure during offline card swiping, and so on.

5 transactions suspected of cashing out

If there is suspicion of cashing out or++behavior, such as swiping several large integer amounts on the same POS machine or repeatedly paying through the online payment platform in a short time on the same IP, the system will refuse to pay.

I like card reminders.

Reasonable use of credit cards, not illegal cashing, frequent swiping, forming a good record of card use, will also help to increase the credit card quota. Don't use a credit card if you don't swipe it or if you accidentally swipe it once. Use it carefully in areas with high credit card risk.

More exciting original content, card friends apply for cards, and share playing skills. Please pay attention to my love card.

What if the credit card is always rejected?

When many cardholders apply for credit cards, they report that their credit card applications are always rejected, saying that their comprehensive scores are insufficient. How can we improve their comprehensive scores so that their applications will not be rejected? Today, Xiao Qin will share with you some special skills on how to solve the rejection of credit card applications.

First, optimize credit reporting.

The basic information on credit information cannot be changed frequently, and credit card applications will be very different, so we must pay attention to it, because frequent changes are an unstable performance. If there are many credit inquiries, it is suggested to optimize the skills of using foreign currency to create credit 3 N in class before applying, so that the success rate is higher. In addition, there is personal debt ratio. Before applying for a credit card, you can choose to cancel the credit card that is not commonly used, which can reduce your credit debt and improve the success rate of credit card application.

Second, reduce the debt ratio.

The reason why many small partners refuse to apply for credit cards is that the debt ratio in their own names is too high, and banks are worried that everyone's repayment pressure is too high, leading to overdue repayment. In this case, everyone's oral or even written guarantee is useless, and reducing the debt ratio is the key. If the debt is too high, please give priority to reducing the debt before issuing the card. Debt optimization can be achieved through the method of returning small cards to large cards and the method of debt hedging, which can solve the problem of excessive credit reporting debt in a short time, but in the end, you should reduce your debt by increasing your income.

Third, apply for filling out the form.

Marital status: fill in by age, and it is best to fill in married over 26 years old;

② Education: Bachelor degree or above is the best;

(3) Housing conditions: the effect of bank mortgage for more than 5 years is the best;

4 income: match the corresponding income according to the filled position, as high as possible;

⑤ Working time in the current unit: 2 years or more is the best;

6 Occupation and post: State-owned enterprises and civil servants are the best. If it is an ordinary unit, it is best to fill in technical and administrative positions;

⑦ Card address: You can get extra points if you choose the company address.

Fourth, the number of applications should not be too frequent.

Some people are short of money and frequently apply for credit cards, regardless of their own credit information. Banks attach great importance to the number of inquiries, suggesting that it should not exceed three times a month and five times in three months. If you want to continue to apply for the same bank after your application is rejected, the best way to pay attention to the bank is to create a savings card through what the teacher said in class, so as to improve your comprehensive score in the bank and change the bank's view of you. If you apply again after three months, the success rate will be greatly improved.

Special reminder, all the information and skills shared by Xiao Qin are the summary of practical experience of online technical courses and internet information collection, based on personal actual situation. If you want to get the result of 100%, you must first combine your actual situation before operating, so as not to hurt your credit!

What if the credit card can't be swiped?

The credit card cannot be swiped, which may be caused by the following reasons: the status of the credit card is abnormal, such as card sealing, risk control, freezing, etc. ; Credit cards have a credit card limit, and you can't exceed the limit. Trading merchants are restricted, and users can only swipe their cards at designated merchants. The card is damaged and cannot be read normally. So there are many reasons why credit cards can't be swiped. In case the user can't brush it out, he can contact the customer service of the issuing bank directly, and the customer service will help the user solve the problem in time.

1 Credit card is frozen.

The banking system will monitor credit cards according to their usage. If the credit card is abnormal, the system will freeze the credit card to reduce the loss of the cardholder.

2 There are risks in the transaction

When using a credit card to spend, if the bank detects that the transaction is risky, in order to prevent the risk, the bank will not let the credit card complete the transaction, which will make the credit card unable to spend.

3 trading restrictions

Credit cards have a daily transaction limit. If you swipe your card too many times that day and reach the daily limit of your credit card, then when you swipe your card again, your credit card will not be able to swipe your card.

4 chip damage

Credit cards rely on the chip on the credit card to complete the transaction when conducting credit card transactions. If the chip is accidentally damaged by the credit card, the credit card transaction cannot be completed, and the credit card can only be replaced to continue to be used. Personal credit cards are limited to the daily consumption of cardholders. Credit card overdraft funds (including installment products) can only be used for consumer purposes according to law, and may not be used for real estate (including but not limited to buying houses and parking spaces), production and operation, investment in stocks, bonds, funds, etc. , repayment of loans, credit cards, IOUs, etc. , shall not participate in any illegal financing, lending, gambling and other activities. Previously, banks such as Minsheng, Ping An, CITIC, China Everbright, and Agricultural Bank of China issued announcements one after another to clarify the use of credit card funds, and clearly pointed out that personal credit card overdrafts should be used in the consumer field, and should not be used in non-consumer fields such as production and operation, investment, including housing purchase, securities investment, wealth management, and other equity investments.

So much for the introduction of credit card refusal.