What is DECLINE?
What is the common cause of DECLINE? Is it due to arrears? If you ensure there is enough balance in your credit card, will you still get DECLINE?
ECLINE simply means that the system attempts to transfer money from your credit card, so the transfer fails. Of course, the credit card must have sufficient balance, but most rejections are due to the fact that the bank system is busy or the bank is busy when ETS transfers money. It is caused by the settlement time. Due to the time difference, when ETS is working during the day and transferring money, it is night in China, so if you use a credit card from the United States or an area without time difference, it will be less likely to be DECLINE.
If the score check is DECLINE, your score will be isolated from the ETS database and cannot be accessed. It is also commonly referred to as "frozen". You must make up the amount owed to ETS before you can continue to access or Use your score. If one of G and T is "frozen", it will not affect the other one.
Why does Decline appear when using Bank of China credit card visa abroad? Please help me.
It is recommended that you call the customer service hotline to further inquire about the card account status and available limit.
The above content is for your reference, please refer to actual business regulations.
When I used ICBC’s international credit card to pay the school application fee, the card kept saying “carddeclined”. What’s going on? urgent!
It is recommended to change the card and try to pay again. The main reasons for credit card payment failure are as follows:
1. Credit card with bad transaction record. The card used by consumers to pay has bad transaction records, such as chargebacks, etc.
2. Unauthorized transaction. The card used by the consumer to pay was a 3D card, but the 3D verification code was not filled in during the payment process. Therefore, the system will judge it as an unauthorized transaction and refuse to deduct the money. It is also possible that the consumer's card-issuing bank did not authorize the transaction.
3. The same IP is paid multiple times within a short period of time. Consumers who pay multiple times for the same IP within a short period of time are suspected of cashing out, fraud, and other illegal behaviors. The system refuses the deduction.
4. The card balance is insufficient or the card validity period has expired. The card used by the consumer to pay exceeds his credit limit or the card has expired.
5. The information is incomplete, wrong or the payment is terminated midway. When consumers fill in credit card-related information, if the information is incomplete or incorrect, the bank will be unable or refuse to deduct the money.
6. Payment in risk areas. The IP that consumers pay comes from areas classified as high-risk by international credit card organizations. The system will judge high-risk transactions and refuse to charge. Such as: Venezuela
7, cross-border, cross-regional transaction payment. The card used by the consumer to pay is a card from a non-resident country, and there is suspicion of card theft, so the system will rate the transaction as a high analysis transaction and refuse to deduct the money.
8. Black card, stolen card, card. The card system used by consumers to pay was identified as a black card, a card or other illegal cards, and the system refused to deduct the money.
9. Network problems. When consumers pay, the network access speed is slow or other network problems occur. Repeatedly refreshing the payment page results in multiple submissions of payment applications or the system fails to receive payment applications.
10. The single payment limit is too high. The single payment limit exceeds the maximum single payment limit of the consumer card or exceeds the maximum single collection limit set by the system.
11. The card issuing bank refused to deduct the payment. The card-issuing bank of the consumer's card refuses to deduct the payment. For specific reasons, the consumer needs to contact his card-issuing bank to learn the reason for the rejection.
12. The cardholder’s card has not activated the relevant online payment function.
What does it mean when the POS machine outside the United States fails to swipe a card to make a payment?
It means declined
Some bank cards do not support overseas consumption. It is recommended to use the corresponding Bank cards in national currencies, such as pound cards and US dollar cards. If you don’t want to use the corresponding card, it is recommended to use a credit card. Most credit cards support overseas consumption
UnionPay credit cards have established many sites abroad and can support Chinese people spend overseas, and there are no conversion fees, it is simple and convenient
Extended information:
The credit cards held by most citizens are UnionPay, VISA, and MASTER. Among them, single-logo UnionPay cards are issued by domestic banks and generally start with "62". When spending overseas, you can only swipe the card at merchants with the "UnionPay" logo, but you can completely save currency conversion fees when making purchases or withdrawing cash.
In addition to cards in local currencies, "UnionPay Card" is the most cost-effective card. Now, "UnionPay" transaction networks have been deployed in more than 60 popular countries and regions for Chinese tourists, including Hong Kong, Macau, South Korea, Japan, Thailand and more.
If tourists see "UnionPay" when swiping their cards overseas, The consumption amount will be converted into RMB according to the exchange rate announced by UnionPay and credited to the credit card's RMB account. No additional currency conversion fees will be incurred, and it is also convenient for everyone to repay directly in RMB after returning home.
Due to the limitations of UnionPay network coverage, UnionPay cards cannot be used in most areas of Europe and the United States. In these areas, only cards with the "VISA" logo can be used, and such cards begin with the word "4"
When overseas consumption occurs in non-US dollar areas, settlement will be automatically made from the VISA US dollar account. During settlement, two foreign exchange purchases are required. Usually, the more times you purchase foreign exchange, the more exchange differences you bear, and the amount of losses will increase accordingly
If you hold a "UnionPay" and "VISA" co-branded dual-currency card and do not have the In the case of a national currency card, be sure to remind the cashier to use UnionPay online settlement as much as possible to save costs