The most common reason is that the bank or UnionPay determines that the cardholder's account is risky or suspected of improper use of the card, and the system temporarily freezes the account, resulting in abnormal transaction failure, overdue credit card or overdue repayment. Can also lead to this phenomenon.

If there is a phenomenon that credit cards are not allowed to trade, you can call the customer service hotline for consultation in time and solve it quickly after understanding the reasons. In addition, you must do the card regularly, don't swipe your card frequently on the same POS machine, don't make a large single transaction, and don't brush it out immediately after paying back the money. These can easily be judged as cash and will be frozen by credit cards.

The most important factor for the long-term normal use of credit cards is the formal way of swiping cards and timely repayment. If there is not enough money in the final repayment period, you can call the bank staff in advance to discuss whether you can repay part of it first to avoid the credit problem of personal repayment.

What does it mean for a cardholder to fail in authentication?

In order to protect the security and privacy of cardholders, it is necessary to carry out necessary identity authentication when handling funds or other businesses to ensure the security of business and personal information. In consumer transactions or other businesses, if the machine shows that the bank card cannot be identified or recognized, the cardholder's identity authentication will fail.