When your bank card is refused to be traded, you must first make clear the reason for the refusal. Common reasons include the limit of bank cards, credit cards with bad records, expired or lost bank cards, and risks determined by the trading system. Here are some suggested solutions. Come and learn from the novice Xiaobai.

first, check the use of bank cards

first, confirm whether the balance of your bank account is enough for this transaction.

Common methods of self-examination

1. Online banking inquiry: Log in to your online banking account, where you can intuitively see your account balance and recent transaction records.

2. Mobile banking inquiry: At present, most banks can open mobile banking services, and you can check the balance of bank cards anytime and anywhere through the mobile banking application.

3. SMS inquiry: Some banks provide SMS reminder function, and you can inquire the bank card balance by sending a specific SMS instruction to the designated number.

4. Telephone inquiry: It is also a common way to call the customer service phone of the bank and inquire according to the voice prompts.

2. Call the bank's official customer service number

to find out the specific reasons for refusing the transaction, and follow the advice of the customer service.

3. Deal with the problem of bank card in a targeted way

1. If the refusal is caused by insufficient balance, you can directly deposit the money into this bank card to resume the transaction.

2. If the current bank card is affected by the arrears of other bank cards or economic disputes, pay off the arrears according to the information provided by the official customer service.

3. If the risk is detected by the trading system, make sure to make a safe transaction

4. Spend money in the scene

Go to the bank counter: In some cases, you may need to bring your bank card and ID card to the bank counter to handle related business.

expansion

in China, there are many kinds of commercial banks, mainly including:

large state-owned commercial banks: this is the most famous bank type in China, including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications.

Joint-stock commercial banks: These banks adopt a modern enterprise organizational structure in the form of joint-stock system. National joint-stock commercial banks include China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank and Ping An Bank, as well as Zheshang Bank, hengfeng bank Bank and Bohai Bank.

city commercial banks: commercial banks that mainly serve specific cities, such as Bank of Beijing and Bank of Shanghai.

Private commercial banks: commercial banks controlled by private capital, such as Huaxing Bank and Huishang Bank.

foreign-funded corporate banks: commercial banks controlled by foreign capital, such as Citibank and HSBC.

rural commercial banks: they mainly serve small commercial banks in towns and rural areas.

policy bank: a professional financial institution established by our government and not for profit, such as China Development Bank.