1. The merchant does not support credit card payment: the merchant has not enabled the credit card payment function, or has exceeded the credit card payment limit stipulated by the bank, so it is impossible to pay by credit card. Cardholders need to change merchants who support credit card payment or use other payment methods.

2. Abnormal credit card status: the cardholder's credit card is not activated, lost or frozen, so it cannot be used. Cardholders need to contact the issuing bank to find out the specific reasons and solve them.