The reason is that the bank credit card is not bound to the mobile phone in the bank. In other words, the Bank of Communications app was not downloaded to open online banking, nor was it authorized by the bank.

Real-name authentication methods include personal account authentication and enterprise account authentication, among which:

Personal accounts can be authenticated by personal bank card authentication, personal certificate authentication and code scanning authentication. Personal bank card authentication is recommended for personal accounts, which can be completed in real time after being submitted for review; Personal certificate certification, the longest 3 working days to complete the audit.

Enterprise accounts can be authenticated by bank, public account and enterprise certificate. It is suggested that the public account should be authenticated by bank-to-public account authentication, and the authentication can be completed within 30 minutes at the earliest. The enterprise certificate authentication method is generally completed within 3 working days.

Extended data:

There are generally two authentication methods for bank cards: password authentication and identity authentication, among which identity authentication plays the role of "real name" and password authentication is the basis for users to withdraw cash. Some websites only classify ID card authentication as real-name authentication.

Bank card authentication is conducive to determining identity, ensuring the information security of cardholders, facilitating the development of online shopping malls and preventing some lawless elements from deceiving consumers online.