Although there are many third-party channels now, it is more convenient to trade through them. However, the transaction amount will be deducted from the bank. No matter what kind of transaction, it will involve banks. If the bank refuses this transaction, it will directly affect the users. China Merchants Bank refuses to trade, that is, users are not allowed to do this operation, and China Merchants Bank will directly reject it. What is the reason why China Merchants Bank refused to trade?

1. The cardholder of China Merchants Bank has a bad transaction record. When using a credit card, the card used by the cardholder for payment has a bad transaction record.

2. There is another main reason why the bank refuses to trade, that is, the issuing bank of the consumer does not authorize the transaction. If the issuing bank does not authorize the transaction, the user cannot use the bank card for consumption.

3. Consumers repeatedly pay in a short period of time, and there are suspected illegal acts such as cashing, money laundering and fraud, and the card-issuing banking system will directly refuse to pay.

4. Take the savings card of China Merchants Bank as the settlement card, and make small high-frequency transfer. In this case, the debit card of China Merchants Bank will stop over-the-counter transactions, and frequent cash flow can easily lead banks to refuse transactions.

Generally speaking, the bank's rejection of this transaction means that consumers can't spend with the bank's money. In this case, it will greatly affect the consumption of users. Once you find that the bank card is abnormal, you must take the initiative to contact the customer service of the issuing bank and start to deal with such things. If the bank is in a hurry to refuse the transaction, especially if the China Merchants Debit Card is bound as a settlement card, it should be replaced with another bank card as soon as possible.