If your credit card is not successful, you will be prompted that it is restricted, or that the card does not allow this transaction, or that the transaction fails due to the risk of providing special merchants, and so on. In this case, there is no need to make a fuss, because this is too common on Guangfa credit cards in recent years, and users are constantly being controlled by the wind, and these tips are prompted after the credit card is unsuccessful.
In these cases, the POS machine can't swipe the card normally, which is basically caused by the risk control of Guangfa Card. After the risk control, the quantity is normal. However, when swiping the POS machine, it is often impossible to swipe the card successfully, while when scanning the code or paying quickly online, there is no restriction. This is a new means of risk control for bank credit card holders. In addition to Guangfa credit card, there are many phenomena such as traffic credit card and Ping An credit card.
If this happens, it is not normal to swipe your card on a general POS machine, because most third-party POS machine brands have been blacklisted by banks. Once the blacklist takes effect after being controlled by the wind, you can't swipe your card on a general third-party POS machine. At present, the POS machine that can normally swipe all kinds of risk control credit cards is Tenpay, which is a regular brand clearing machine. Since TenPay is not restricted by banks, all risk control cards including GDB cards can be swiped normally. (Tenpay handles WeChat: 54 17 12)
Therefore, if the prompt is limited when swiping the card, the card does not allow this transaction, or the transaction fails due to the risk of special merchants, you can try TenPay. All kinds of risk control cards brushed by other POS machines can be 100% used with Tenpay POS machines.
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 credit card is as high as 18%, which is true and 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 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 can't credit cards be used for spending?
The following are possible reasons:
1. Your card has been frozen by the bank. Ask yourself whether you frequently swipe your card or pay online in a certain place, that is, whether it is defined as cashing.
2. The machine you use to swipe your card has just been listed as a risk customer, so you can't swipe your card on this machine, and other machines don't necessarily have problems. This credit card machine is listed as a risk by one bank, but not necessarily by other banks.
3. Exceeding the quota given to you by the bank, or you have already done the installment and occupied the quota.
For any of the above reasons, you can consult customer service and get the most certain reason.
How come Alipay can't use a credit card?
Alipay does not support credit card payment.
1. exceeds the payment limit.
Second, the credit card is abnormal.
Third, merchants do not support credit card payment.
Fourth, the credit card does not have online banking.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. [4]
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.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Main features:
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers. It is a high-tech product integrating financial business and computer technology;
Can reduce the use of cash currency; Can provide settlement services, facilitate shopping and consumption, and enhance the sense of security; It can simplify the collection procedure and save social labor; Can promote commodity sales and social needs.
Card opening:
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
Why not use a credit card to buy a car? Teach you three solutions
Many friends go to a shop in 4S to buy a car. They don't have enough money and don't want to borrow money, so they plan to use credit cards to make up the money. However, some 4S stores don't allow credit cards to buy cars, only savings cards are allowed. Then why? What if I can't buy a car with a credit card? Let's have a look.
1. Why don't you use a credit card to buy a car?
There are two main reasons.
One is that the 4S shop wants you to borrow money to buy a car. They will make more money than buying a car in full. After all, 4S stores can get commissions from every transaction by cooperating with banks or other auto financing companies.
One is that 4S stores don't want to bear the cost of credit card. Since the 96 fee was changed, the credit card charge is no longer capped, and the credit card charge is more than 10 thousand yuan, which will generate more than 60 charges. The more you swipe your card, the more you charge. If everyone swipes a credit card, 4S stores will have to pay a huge cost.
2. What should I do if I buy a car and I am not allowed to swipe my credit card?
1) Find someone to borrow money, make up the money for buying a car, pay back the money after buying a car, or use your credit card to pay for relatives and friends when they have consumption needs, so as to deduct the loan amount.
2) bear the handling fee. As long as customers are willing to bear the handling fee, I believe 4S stores are very willing to let them swipe their credit cards.
3) Credit card cash installment. If the 4S shop really doesn't want customers to swipe their credit cards, the cardholders can apply for cashing out their credit cards in installments and then buy a car, but the price is still relatively high, which is much more expensive than the handling fee for swiping credit cards.
The above is the introduction of "why not use a credit card when buying a car", and I hope it will help everyone.
This concludes the introduction of how to complain about not using credit cards and how to complain about not using credit cards. I wonder if you have found the information you need?