First, the card status is abnormal, such as card degaussing and chip damage.
Second, the card does not support transactions. For example, the card with VISA single logo /JCB single logo does not support UnionPay transactions, nor does it support some online transactions.
Third, there is nothing wrong with the card. If the signal of POS machine is not good, the off-line transaction will fail.
Fourth, the IC chip credit card will not be used if the cashier still operates the transaction by swiping the card instead of inserting it, because UnionPay has turned off the downgrade transaction function.
Fifth, some overseas websites do not support domestic credit cards or CCB credit cards.
Sixth, the credit card limit is insufficient.
Tips for using credit cards:
1. It is the most worry-free and labor-saving way to bind the bank savings card or salary card with the credit card and automatically transfer the payment every month, effectively avoiding overdue due to incorrect time and changes in communication information.
2. Try to change the repayment date to 3 to 5 days after the pay date, which can effectively avoid the dilemma caused by unexpected failure and wage arrears.
3. Today, third-party platforms such as Alipay and WeChat have opened the credit card repayment function, which can effectively remind yourself to repay on time.
4. In addition to the third-party platform, mobile banking of various banks can also easily complete the repayment steps, and credit card repayment only needs to move your finger. Especially convenient.
Precautions for credit card use:
1. Enough is enough, don't blindly pursue high credit card limit. In order to avoid becoming a moonlight clan, it is reasonable to pay back the credit card for three months. When the income can't bear the excessive repayment plan, it may face debt risk.
2. If you have two credit cards, you can separate the billing date and use the card farthest from the billing date to enjoy a longer interest-free period. In addition, most credit cards have the function of modifying the bill date. It is recommended to ask the customer service of the bank to find out how many times your card has been modified.