It's very convenient for us to swipe our cards after processing the credit cards. However, if there is still a balance on the cards but we can't swipe them, the possible reasons are as follows:
1. The cards are not activated: when we apply successfully or replace the replacement cards, we need to activate the cards, and we can't use them without activation.
2. Chip damage: We can try to brush the card at the counter of the card-issuing bank's business outlets. If the chip is confirmed to be damaged, we can directly go to the counter or call the bank's credit card line to apply for card replacement.
3. card freezing: the banking system monitors the credit card, and if there is any abnormality in the credit card, the system will freeze the credit card to reduce the loss of the cardholder. You can call the customer service hotline or bring your ID card to the bank for unfreezing.
4. card expiration: the validity period of a credit card is usually displayed on the card face. if it is found to be expired, we can directly call the bank credit card line to renew the card.
5. transaction risk: if the bank detects that the transaction is risky when spending by credit card, in order to prevent the risk, the bank will not let the credit card complete the transaction, resulting in the credit card being unable to spend by credit card.
6. transaction limit: there is a transaction limit for credit cards every day. if the number of swipes on the same day is too high, the daily limit of credit cards will be reached, and the credit card will not be swiped again.
7. Machine failure: When the line of POS machine is busy or fails, we can try again later or make payment in other ways.
What should I do if my credit card is blocked?
1. Re-apply for a new credit card. Re-apply for a new credit card at the bank through online banking or the bank counter. The card type cannot be the same as the blocked card.
2. provide transaction notes to the bank. Call customer service directly to say that your credit card has been blocked, and customer service will ask the cardholder to provide the consumption invoice and POS purchase order, as long as a formal invoice and POS purchase order can be sent to the bank mailbox by fax or scanning.
3. Cross-regional restrictions are automatically unsealed. Generally speaking, if there is a sudden cross-regional or overseas consumption transaction on a credit card, the bank will seal the cardholder's credit card to protect the possibility that the cardholder's credit card will be stolen, and then contact the cardholder by phone, and will automatically unseal it after confirming that it is my own transaction.
4. the customer service phone confirms the unsealing. If the card is blocked due to overdue, you can call the customer service to explain your situation and ensure that it will not be repeated in the future. The tone is pitiful. Generally speaking, most banks can unblock it, but the premise is that it is seriously overdue.
does the credit card closure affect credit reporting?
whether the credit card is blocked will affect the credit investigation depends on the specific reasons for blocking the card.
It is understood that the personal credit information system mainly displays the number of credit cards, loan situation, usage quota, overdue and so on. If the credit card is blocked due to overdue repayment, then personal credit will definitely be affected. If the card is blocked due to other non-bad credit behaviors, it will have no impact on credit.
Reminder, after the card is blocked, it is frozen, so it is impossible to make consumption or transaction, and if the bank actively blocks the card, you should be careful. Maybe you stepped on the "red line" set by the bank.