In fact, how to do it is very simple. The system has already prompted you to contact customer service, so just call the service hotline of the card-issuing bank and transfer to manual service. The customer service will ask you to enter your bank card number or credit card number. Then the system will show you why you encountered this situation, and customer service will also tell you how to deal with it.

When the bank rejects the transaction, it usually encounters the following situations: the bank card is frozen, the bank card is at risk of being stolen, the bank card transaction is risky, the card balance is insufficient, or the card validity period has expired, etc. , if it is a credit card, it may be: the credit card is overdue, the credit card is frozen, the credit card is subject to risk control, etc.

Bank cards refer to credit payment instruments issued to the public by approved commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposits and withdrawals, etc. Bank cards reduce the circulation of cash and checks, allowing banking business to break through the limitations of time and space and undergo fundamental changes. The application of the bank card automatic settlement system has made the dream of a "checkless, cashless society" a reality.

Starting from August 1, 2017, the annual bank card management fee will be cancelled, and some basic financial service charges of commercial banks will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu Company, Baixin Bank and China UnionPay launched China’s first digital bank card-Baidu Quick Pass Card. On August 31, China UnionPay released the first digital bank card “UnionPay Unbounded Card”.

On December 2, 2019, the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases" was adopted at the 1785th meeting of the Judicial Committee of the Supreme People's Court. Effective from May 25, 2021 Implementation. It is clear that if the user's bank card is stolen and proves that he is not responsible, he can claim compensation from the bank.

Notes on handling frozen bank cards:

1. Whether it is temporary freezing or permanent freezing, bank card users must go to the bank business hall where they opened the account to go through the relevant procedures. , other bank branches generally do not accept the application.

2. Users need to bring their ID card and frozen bank card to handle this business. If the bank card is lost and needs to be reissued, the user only needs to bring their ID card.

3. The bank card freezing business must be handled in person, and others are not allowed to handle it on their behalf.

4. For users who do not know the reason for freezing, they can ask the bank for the specific reason for freezing and whether it supports early unfreezing. If it is possible, just follow the requirements of the bank staff; if not Only the bank card can be invalidated.