Sometimes, when we use a POS machine to swipe a card, you will find that the merchant cannot make purchases. So I swiped my card again, but it still didn't work. If you have the perseverance to continue brushing, you will find that if you keep brushing, the transaction will continue to fail.

Why does our credit card suddenly have a consumption limit? Even if we swipe it several times, it still doesn’t work? The reason is that the merchant has been blacklisted by the bank. No matter how Laotie uses the card to make purchases, the bank will only prompt that the transaction failed or the amount exceeds the limit.

We can think a little deeper, why did the bank add this merchant to the blacklist? The bank hates a merchant because the merchant brings losses to the bank. The most common one is to help cardholders cash out. For this type of merchants, their MCC codes have been blacklisted by the bank. Although we change cards to make purchases, we may still be able to make purchases. However, this merchant has been blacklisted by a certain bank. Other bank cards may be available for consumption, but Mr. Xigua does not recommend using other bank cards for consumption.

Since a certain bank has blocked a certain merchant, this merchant will be blocked by the entire network sooner or later. It will be very dangerous for me to buy from this merchant again. Many of these hacked merchants are in the jewelry, wholesale, automotive, real estate, home appliance, entertainment, accommodation, catering, etc. categories that are often cashed out, which is really hard to guard against.

All in all, when there are transaction restrictions in Laotie, it is actually better to change to another merchant! If it is a credit card problem, Lao Tie can use another credit card to know whether it is a merchant problem or a credit card problem. The issue of credit card restrictions will not be explained in detail. Because the credit card may be frozen, or it may be subject to risk control. And if it's a merchant problem, the solution is very simple. Just change your purchase to another merchant!