The issuing bank cannot handle ATM inter-bank transfer, which means that the bank card has no ATM transfer function and needs to be opened at the bank counter.

Specific process:

① Go to the bank counter with your ID card and bank card;

2 take the number and line up. After the phone call, give the ID card and bank card to the counter staff;

(3) Fill in the business application form and open the bank card external transfer business;

(4) Sign the business confirmation form, enter the bank card password, and complete the processing;

⑤ Leave with your bank card, ID card and receipt.

1. What is the legal relationship between the issuing bank and the cardholder?

The parties who use and manage credit cards include card issuers, applicants and special units. The relationship between the issuing bank, the cardholder and the special unit arising from the issuance, use and management of credit cards belongs to the legal relationship between the applicant and the special unit: first, the contractual relationship between the issuing bank and the respondent. The cardholder is caused by signing a credit card collection agreement; Second, the counter provides services for cardholders, which is the entrustment relationship and transfer settlement relationship generated by the card-issuing bank transferring the funds in the cardholder's account to the counter to open a bank account. Third, the special account provides services for cardholders, accepts the consumption credit relationship of credit cards, and fulfills the agreement with the issuing bank.

2. What does it mean to contact the issuing bank if the transaction fails?

The easiest way is to use your own card to brush another penny. If the network is normal, POS will initiate correction. The pen that has just been brushed will display the transaction failure on the UnionPay network and send the failure information to the issuing bank. After receiving the information, the issuing bank will immediately cancel the money just deducted. Generally speaking, the whole process can be completed in a few minutes. Of course, it will take a long time, and it will take 15 days at the latest to cancel the transaction, which is rare. The above is the situation of ordinary UnionPay. The reversal of some third parties and even Qing Er companies may be very troublesome, and there are probably two situations. First, the communication between the issuing bank and UnionPay failed, as above. There is another kind of trouble. If the transaction between Qing Er Company and the third party fails, the deduction will not arrive, and it is useless for you to swipe it again. Normally, it will not be returned to the cardholder. If you know that you are a Qing Er machine, the best way is to ask the cardholder to pay again, and then ask Qing Er Company for money and return it to the cardholder. In addition, the second cleaning machine is risky. You don't have to, if you can.