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What is the reason why credit card money cannot be withdrawn... Expand

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Practice Lawyer Xiao Tang

Financial Observer

Guizhou Province Intellectual Property Professional Lawyer Patent Agent

Consultation to become the 5926th fan

Credit card When the money cannot be used, the general situation is as follows:

1. The customer has consumed all the credit limit on the card before, so there is currently no available credit limit, and the customer has just paid back the credit card. , the quota has not been restored yet. Without a quota, naturally it cannot be withdrawn. In this regard, customers can wait patiently for a while. Maybe the credit limit will be restored after a while, and customers can continue to swipe their cards for consumption.

2. The customer had overdue behavior when repaying the loan before, and the overdue situation was relatively serious, which resulted in damage to the customer's credit. Even if all the debts are paid off later, the system is likely to detect that there is a problem with the cardholder's credit and the account risk is high, so the credit limit may not be restored. The credit limit cannot be restored, and there is currently no available credit limit, so customers will naturally not be able to use credit. Therefore, customers must pay attention to repaying their loans on time to avoid overdue payments.

3. Maybe the credit card limit has been restored after the payment is completed, but the current transaction is detected as risky by the system, so the transaction cannot be carried out, and the customer cannot make the payment; or it may be that the restored limit of the card is low Compared with the current transaction amount, this will also cause the card swiping to fail.

4. Credit card information cannot be read. Currently, the most popular credit cards are magnetic stripe cards and chip cards, which involve the problem of magnetic stripe and chip failure. Generally, credit cards have been scratched and damaged if they have been used for too long. This situation may cause the magnetic stripe and chip to fail, and the invalid credit card information cannot be read, causing credit card abnormalities. In this case, the cardholder can only ask the issuing bank to replace the card. Generally, replacement of the credit card requires a certain fee.

5. Credit card payment is restricted. There are many reasons why credit card payment is restricted, including the credit card payment amount exceeding the monthly limit for a single transaction on that day, insufficient credit card limit, credit card being frozen, etc. In this case, you can only The card can be swiped only after the influencing factors are resolved according to the specific reasons.

6. Abnormal credit card transactions: The bank will monitor and identify credit card swiping, payment and other behaviors. Once the transaction is abnormal, the consumption function will be stopped. The cardholder should contact the Bank of Communications immediately to freeze the credit card.