1. If the credit card status is abnormal, such as being blocked, frozen, or stopped, you need to call the card issuer to restore the credit card to normal transaction status.

2. The merchant who swiped the card is a merchant on the bank's blacklist. In this case, you need to change the stop payment method, or use a different bank for credit card payment.

3. If the credit card expires without a new card, the bank will refuse the transaction if it expires. Qishang Credit Card Bank refuses the user's relevant transaction operations, that is, the relevant user cannot use the funds in the bank card to complete the transaction operation.