Generally, credit cards are not returned for the following reasons: 1. Payment company system failure; 2. UnionPay channel failure; 3. The upgrade of the banking system will be recorded by the bank on working days; 4. The personal signature of the customer has not arrived yet; 5. Reasons for incorrect credit card time; 6. The machine does not issue tickets or issues tickets abnormally.

Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Second, according to the relevant laws of our country (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards), credit cards refer to electronic payment cards issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, The Standard of English Translation and Writing in Public Service Field was formally implemented.

3. 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.

Four. app; application

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

Five, the application method is generally by filling in the credit card application form, the contents of the application form generally include the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

Six, the application form is attached with a credit card contract, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement of the authenticity of the information and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

What should I do if I swipe my credit card with a pos machine and the money doesn't arrive?

Contact the agent or call the customer service phone on the machine to ask why the account is not received.

If the credit card is not received at the right time, we can only wait for the normal transfer cycle of the payment company. Payment on the second day after D 1 and payment on important working days after T 1 are supported.

Due to the upgrading of the banking system, the money has actually arrived at the bank, but it has not been recorded. The bank will record it on weekdays.

If the payment company system fails to receive the account, the payment company will repair the payment.

Due to the failure of the UnionPay channel, after the channel is repaired, the payment company will withdraw money in the normal withdrawal period.

The account did not arrive due to lack of signature. Please click on the transaction in the transaction record, re-sign and upload the receipt.

The failure of large machines to issue tickets or the abnormal issuance of tickets will also lead to the untimely receipt of tickets. If there is no ticket, you can reprint the receipt on the machine, and then enter the reference number of the receipt in the APP- transaction record, and it will arrive immediately. If the ticket is not received normally, just enter the reference number of the receipt.

Extended data

Reason:

1. Network failure. Network failure, also known as "unilateral account", is common in traditional large POS machines, and the failure code is 92. For this kind of transaction, UnionPay feeds back the information to the POS machine after receiving the remittance from the user, but the feedback fails due to the unstable network during the feedback process. If UnionPay fails to successfully feed back the information to the POS terminal, it will stop withdrawing money and return the funds to the credit card users.

2. System maintenance and upgrade. Many times, each payment company will have system maintenance several times a year. In order to avoid affecting the normal business of merchants, they usually choose to carry out maintenance at night, which will affect their accounts and even lead to the inability to swipe their cards and communication failures.

Transactions after 3.23:00. According to the regulations of UnionPay, all transactions after 23:00 are counted as the next day. Many people swipe their cards at 23:00 in the morning, thinking that they will arrive the next day. In fact, this is a time slot credit card, and it takes "the third day" to arrive. In addition, due to the influence of settlement time, the transaction from 23: 00 a.m. to 1:00 a.m. on D/kloc-0 may also be delayed.

4. Misunderstanding of the arrival time of "T 1". T 1 is not equal to the next day. T stands for working days, such as Friday, Saturday and Sunday, until Monday, because Monday is a working day. Some novices think that T 1 is the next day and mistakenly think that the account is delayed. In addition, the arrival time is from 7 am to 22:30 pm, which is normal. T 1 does not mean that the funds will arrive immediately in the morning of the next working day.

5. Risk control transactions. This kind of transaction is common in imitation card and black card behavior. Once UnionPay, the issuing bank or the payment company think that the transaction is suspected of illegal operation, it is likely to freeze the funds.

What if the credit card money doesn't arrive?

Don't worry about the situation that the credit card has been swiped successfully but the money hasn't arrived yet. Generally, it will be easy to solve, and it will be successfully solved after notifying the bank and other operations.

You can first analyze the situation that the credit card was successfully swiped but the money didn't arrive. Here is an example:

1. Don't worry too much when the card is swiped successfully but the money hasn't arrived. Even if the money doesn't arrive in the end, it will automatically return to the original account. If you don't return for a long time, you can call the bank and usually give an accurate answer. There are many reasons why it can't arrive in time.

2. When the credit card is swiped successfully but the money hasn't arrived yet, it may be that the system is maintained and upgraded, which will affect the normal business. When maintaining business, it is usually done at night. During this period, swiping the card may also lead to the invalidation of the credit card or stop withdrawing money.

3. When spending by credit card, generally avoid online credit card, so as not to delay the receipt. Moreover, after swiping the card on the card swiping device, the management organization of the device is likely to implement T 1 arrival time, in which the arrival time is working days, and users can wait patiently. If users try to avoid trading after 10 in the afternoon when swiping cards on pos machines, and avoid swiping cards in large quantities at night when swiping cards, this situation is easily controlled by banks, which is very unfavorable for cardholders to use bank cards.

The reason why the credit card was swiped successfully but the money didn't arrive:

1. Determine whether it is a unilateral account. The so-called unilateral account means that the transaction is unsuccessful. Although the customer received the debit message, the money will not be paid to the merchant, but will be returned to the cardholder by the bank. If the signal is finally interrupted when the issuing bank gives feedback to UnionPay or when the POS returns from UnionPay, the POS can't receive the feedback signal, but a debit message has been sent at this time, which causes the cardholder to receive the message, but the POS doesn't print the purchase order. At this time, you need to correct the credit card on the POS machine, return the credit card amount to the cardholder, and then you can conduct the credit card transaction again.

2. The merchant didn't receive the SMS and thought the settlement was unsuccessful. This situation is very common, and it is also a common problem of some businesses. You'd better check your bank card and see if you have received it.

3.3. The POS payment company did not settle accounts for the merchants. In other words, the bank has settled the credit card payment to the payment company, but the payment company has not settled the credit card payment to the merchant and registered it in the bank. It should be noted that this situation can only happen in Qing Er Payment Company, not Yiqing Payment Company, because it is supervised by the People's Bank of China and UnionPay. At this point, you need to ensure that your pos machine is the pos machine of Qing Er Payment Company. If there are other machines, I suggest you use them carefully after confirmation.

4. There is also a rare situation, that is, the funds have been settled for the customer, and the customer does not know that the payment company has settled for him because the settlement card has been replaced or lost. Check the information on the settlement card to see if the bank hasn't arrived yet.

5. If the settlement method is T plus 1. Arrive on the second working day, and the holiday will be postponed. Because there are a few days of transaction accumulation and a lot of data, the arrival time after the holiday will be a little late, so just wait patiently. In addition, swiping a card after 8: 00 p.m. is likely to be counted as a transaction on the second day and will arrive on the third day.

6. The reversal transaction was unsuccessful. Sometimes, the cardholder will receive a debit message after swiping the card, but the pos machine has no receipt. In fact, the transaction was not successful. Generally speaking, the cardholder will receive the information of fund return within 48 hours, so the merchant will not receive the account.

7. The customer changed the settlement card or the settlement card was not bound correctly. These two situations are relatively rare. Generally speaking, if the settlement card is not bound correctly, the first transaction can be found. If it had been successfully received before, this would not have happened. In addition, cardholders sometimes change or report the loss of the settlement card without knowing that the payment company has settled it for them. This is to check the following settlement card information to see if the bank really hasn't arrived.

8. When the credit card is swiped successfully but the money hasn't arrived yet, it may be that the system is maintained and upgraded, which will affect the normal business. When maintaining business, we usually choose to do it at night. During this period, the credit card may also cause the credit card to be invalid or stop transferring money.

Generally speaking, you should avoid swiping your card online to avoid being late.

10. If users try to avoid transactions after 10 in the afternoon when swiping cards at pos machines, and try to avoid large-scale swiping cards at night, this situation is easily controlled by banks, which is very unfavorable for cardholders to use bank cards.

Why hasn't the credit card money arrived yesterday morning?

The entry time is subject to the time required by the merchant.

The above contents are for your reference. Please refer to the actual business regulations.

So much for the introduction of what to do if the credit card is not received.