Alipay does not support credit card payment.
1. exceeds the payment limit.
Second, the credit card is abnormal.
Third, merchants do not support credit card payment.
Fourth, the credit card does not have online banking.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. [4]
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Main features:
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers. It is a high-tech product integrating financial business and computer technology;
Can reduce the use of cash currency; Can provide settlement services, facilitate shopping and consumption, and enhance the sense of security; It can simplify the collection procedure and save social labor; Can promote commodity sales and social needs.
Card opening:
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
Why is credit card swiping restricted?
Credit card swiping restriction means that the card is restricted during the transaction. Usually, when the card is subject to risk control, freezing, card sealing, loss reporting, etc. , there will be tips to limit transactions. When using a credit card, users should directly call the customer service hotline of the issuing bank and ask the manual customer service to check the status of the card. If the card is restricted due to transaction risk, the restriction can be lifted by replacing the POS machine. As for the credit card restrictions caused by other reasons, it will take some time to solve.
1. What causes the credit card to be restricted?
1. The card status is abnormal, such as degaussing the card, and the password is locked due to too many wrong input times. It is recommended to call the banking service hotline to confirm; There is nothing wrong with the card. The signal of POS machine is not good. If it is not connected to the network, the transaction will fail.
3. If you hold an IC chip credit card, because UnionPay has turned off the downgrade transaction function, if the cashier still operates the transaction by swiping the card instead of inserting the card, it can't be used either;
4. The card does not support transactions. For example, visa /jcb single logo cards do not support UnionPay transactions, nor do they support some online transactions.
Second, how to solve the credit card restrictions?
Credit card consumption is restricted, which means that the credit card is temporarily suspended, so no transactions can be made for such a long time. Generally speaking, there will be different solutions according to the reasons that limit credit card consumption, as shown in the following figure:
1. The credit card has expired. It is recommended to call the issuing bank to inquire whether the customer service has outstanding debts. If so, pay immediately. Try to communicate with the customer service after repayment, indicating that you are not maliciously overdue, and see if the customer service can lift the consumption restriction. If the overdue period is not serious, there is still a chance to cancel it.
2. The account is risky. The banking system will monitor the cardholder's account transactions at any time. If it is found that there are possible risks in a transaction, such as swiping a card on the POS machine of a blacklisted merchant in a bank, or suddenly making an overseas transaction without registration, triggering the bank's risk control system may lead to restrictions on credit card consumption. Generally, it is necessary to provide proof that the card is standardized.
3. Exceeding the set limit. In order to ensure the security of credit card funds, many cardholders will manually set a credit card transaction limit, such as daily transaction limit and monthly transaction limit. As long as the consumption limit exceeds the set limit, consumption will be restricted, so you can continue to consume by manually changing the limit to a higher level and then change it back after consumption.
Reasons why credit cards (debit cards) cannot be swiped.
There are many reasons why a credit card (debit card) can't swipe a credit card (debit card), such as the wrong password entered by the user, the risks in the current trading environment, the insufficient available credit limit of the credit card (debit card), the restriction on swiping the credit card (debit card) by the credit card (debit card), the delay of the POS network, the damage of the credit card (debit card), etc., which may all lead to the failure of swiping the credit card (debit card). Therefore, when the credit card (debit card) cannot be swiped, users should also pay attention to the error code or reminder.
As long as you ensure that your card is in a normal state and there is an available amount, if you can't swipe your credit card (debit card), it may be related to the merchant.
Why can't I pay by credit card?
Credit cards cannot be used for current transactions, which may be caused by the following reasons:
(1) Merchant does not support credit card collection. This situation occurs in offline shopping, mainly because the merchants have not opened the credit card collection service. At this time, consumers should pay with a savings card.
(2) The issuing bank prohibits trading. Credit cards are not allowed for some transaction types, such as transfer, online loan repayment and credit card repayment. Credit cards cannot be used for transactions.
(3) The transaction amount is limited by the credit card single payment limit. Banks generally stipulate the single maximum amount of credit card consumption. If the price of the goods purchased is high, you can't use credit cards for transactions.
Credit card application process:
(1) Application: Generally, the application method is to fill in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. 、
(2) Information: Information includes the information of the main card holder, the information of the supplementary card applicant, the information of the guarantor, the statements and signatures of the main card applicant and the supplementary card applicant, and other information.
(3) Review: After receiving the application form and related materials submitted by the applicant, the issuing bank will review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
(4) Card Issuance: After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account at the card issuing bank for shopping, consumption and settlement after cash withdrawal.
(5) Card opening: Since the credit card application is sent by postal currency card after approval, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
(6) Identification: The card face of the credit card has at least the following information: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated as month) and effective date (generally calculated as month). Chip account and card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).
(7) Authorization: The merchant and the bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.
(8) Use: Credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.
(9) Card cancellation: Before the cancellation of a credit card, the account balance must be settled, and the whole process of card cancellation should be completed within 45 days after the application.
Why can't I pay by credit card?
1. Your card has been frozen by the bank. Ask yourself whether you frequently swipe your card or pay online in a certain place, that is, whether it is defined as cashing.
2. The machine you use to swipe your card has just been listed as a risk customer, so you can't swipe your card on this machine, and other machines don't necessarily have problems. This credit card machine is listed as a risk by one bank, but not necessarily by other banks.
3. Exceeding the quota given to you by the bank, or you have already done the installment and occupied the quota.
In this case, you can consult customer service to get the most clear reason.
Credit card Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
Why don't you stop talking about the introduction of credit cards?