If your card cannot be swiped smoothly, it may be due to the following reasons:

(1) The credit card is not activated: You can log in to Bank of Communications personal online banking or call the customer service hotline to activate it .

(2) The magnetic stripe of the credit card is worn: You can try to swipe it at the branch counter. If the magnetic strip is confirmed to be worn, please call the service hotline for reprinting.

(3) Insufficient credit card limit: The loan limit needs to be repaid as soon as possible.

(4) The POS line is busy or out of order: Please try again later or pay by other methods.

(5) Incorrect password: You need to confirm your transaction password. If you cannot remember the correct transaction password, you can apply to reset your password.

(6) If the card or account status is abnormal, reported lost, frozen, etc.: You can call the customer service hotline for help.

1. A credit card, also known as a credit card, is a credit certificate issued by a commercial bank or credit card company to a credit-qualified consumer. It takes the form of a card with the name, expiration date, card number and cardholder name printed on the front, and a magnetic stripe and signature strip printed on the back. Consumers with credit cards can go to specialized commercial service departments to shop or consume, and the bank will settle the bill with the merchants and cardholders. Cardholders can overdraw within the prescribed limit.

2. The relevant legal provisions of credit cards in our country (the Standing Committee of the National People’s Congress interpreted the criminal law provisions on credit cards of the People’s Republic of China) refers to those issued by electronic commercial banks or other financial institutions. Payment cards provide all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and the repayment is on the day of issuance.

3. Founded in 1908, Bank of Communications is one of the six largest banks in China, one of the oldest banks in China, and one of the note-issuing banks in modern China. On April 1, 1987, the reorganized Bank of Communications officially opened and became China's first state-owned joint-stock commercial bank, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

4. Bank of Communications is one of China’s major financial service providers. The business scope covers commercial banking, securities, trusts, financial leasing, fund management, insurance, offshore financial services, etc. Bank of Communications has 235 branches across the country, including 30 provincial branches, 7 directly affiliated branches, and 199 provincial branches. It has 3,270 branches in 239 prefecture-level cities and above and 158 counties (cities). Business outlets. It owns seven wholly-owned subsidiaries, including Communications Leasing Bank, Communications Insurance Bank, and Communications Investment Bank, and 7 non-banking companies. It also holds subsidiaries, Communications Fund Bank, Bank of Communications Guosen Bank, Communications Life Insurance Bank, and Bank of Communications International Bank. In addition, Bank of Communications is the largest shareholder of Changshu Rural Commercial Bank, tied with the largest shareholder of Tibet Bank. It strategically holds a stake in Hainan Bank and holds four rural banks.

(Operating environment: iPad2020 14.8.1 Bank of Communications version v5.6.1)