Why the CITIC Credit Card cannot be swiped out

The reasons why the credit card cannot be swiped at the POS machine are summarized as follows:

1. The card is degaussed and the inspection method is the same as in other regular supermarkets. Do not test on TX machines;

2. UnionPay automatically identifies risky transactions, that is, cash-out transactions, such as multiple transactions on the machine (referring to non-well-known merchants or large supermarkets) , usually appear on cash-out machines), the UnionPay system determines that there is a suspicion of cash-out and automatically withdraws cash for payment;

3. Personally set online banking or transaction restrictions;

When a merchant situation occurs, especially In the second type of situation, stop consumption immediately and do not reduce the amount or test multiple times.

Why can’t I use the credit limit on my CITIC credit card?

If your credit card is frozen, you cannot use it by swiping it.

The credit card is frozen, application activation process:

1. Bring your ID card and credit card to the nearby bank counter.

2. Register at the registration machine and wait for the business to be processed.

3. Explain to the bank staff the business to be handled: credit card activation.

4. Bank staff will check the cardholder’s information and repeatedly confirm whether the cardholder is the person with the ID card, and will take photos and files.

5. After confirming that it is the person in question, the cardholder's credit record will be reviewed. If the review is passed, the cardholder will be reactivated. If it fails the review, it will not be activated.

6. The credit card activation procedure is completed. You can use the card normally.

The transaction will fail even if the credit card swiped by CITIC Bank exceeds 1,000 yuan

The reasons why the transaction will fail if the credit card swiped by CITIC Bank exceeds 1,000 yuan:

1. Insufficient credit limit . Spend within the limit or use it after the limit is restored after repayment.

2. The card status is abnormal. The card is damaged or the magnetic strip is damaged, causing the computer system to fail to recognize it. Make sure the card is in normal condition before trying again.

3. The network environment is not good. The line is busy or disconnected, causing the merchant to be unable to successfully obtain authorization from the card issuer. Please try again later.

4. Exceeding the merchant’s consumption limit. Alipay and WeChat Pay have different limits, etc. Try swiping a small amount or choosing other suitable payment methods.

CITIC Credit Card only has 15 digits and cannot be used

The reasons why CITIC Bank Credit Card cannot be used may be as follows:

1. Enter the wrong password multiple times: hold the card If a person enters the wrong password multiple times, CITIC Bank will temporarily freeze the credit card account in order to prevent risks. The cardholder can call the customer service number to confirm that he is the cardholder and then apply for unfreezing.

2. Insufficient remaining credit limit: The remaining credit limit of the credit card held by the cardholder is insufficient. Generally, the card holder cannot continue to swipe the card. The cardholder can wait for the debt to be paid off before swiping the card for consumption.

3. Limitation on the amount or number of credit card swipes: When cardholders use credit cards for online transactions, their transactions will be frozen if they exceed the transaction limit. Or the number of card swipes is around 20 to 30 times per day. Because the card swipes are too frequent, the bank will freeze the cardholder's account based on risks and policies.

4. The credit card is temporarily frozen: When there is a risk of credit card fraud, banks will generally temporarily freeze the credit card. Generally, the temporary freeze on the credit card can be automatically lifted after 7 days.

Why can’t I pay with the available limit of CITIC Bank’s credit card (debit card)?

If the CITIC Bank credit card (debit card) clearly has an available limit, but cannot pay the transaction, it should be due to the following reasons:

1. The available limit is lower than the transaction limit The amount is naturally not enough to cover the transaction.

2. The magnetic stripe/chip of the card is damaged, causing the card to be demagnetized.

3. The POS machine is faulty.

4. The system detects that there are risks in the transaction, such as suspicion of non-personal operation and suspicion of fraud, so the transaction is restricted.

5. The bank suspected that the customer had illegally withdrawn cash and temporarily froze the card.

6. The customer entered the wrong transaction password multiple times in a row, resulting in the card being locked.

7. The customer is consuming online, but the merchant from which he is consuming has not yet opened the credit card (debit card) payment function.

Why the credit card cannot be used to withdraw money

The credit card cannot be withdrawn, which may be caused by the following reasons: the credit card status is abnormal, such as card blocking, risk control, freezing, etc.; the credit card is set to be used to withdraw money There is a limit. If the limit is exceeded, it cannot be swiped. The merchants for transactions are restricted. Users can only swipe their cards at designated merchants for consumption. The card is damaged and cannot be read normally, etc. Therefore, there are many reasons why the credit card cannot be used. If the user encounters the problem of not being able to use the card, he can directly contact the customer service of the bank that issued the card, and the customer service will help the user solve the problem in time.

1 Credit card is frozen

The bank system will monitor the credit card based on the use of the credit card. If an abnormality is found in the credit card, the system will freeze the credit card to reduce the cardholder's losses.

2 Transactions are risky

When using a credit card to make a purchase, if the bank detects that the transaction is risky, the bank will not allow the credit card to complete the transaction in order to prevent the risk. , causing the credit card to be unable to be swiped for consumption.

3 Transaction Limits

Credit cards have daily transaction limits. If the credit card is swiped too many times that day and the credit card daily limit has been reached, then when the card is swiped again, it will cause Credit card cannot be swiped.

4 Chip damage

When performing a credit card transaction, the credit card relies on the chip on the credit card to complete the transaction. If the chip is accidentally damaged on the credit card, the credit card transaction will not be completed. , you can only continue to use it by changing your credit card. Personal credit cards can only be used by the cardholder for daily consumption. Credit card overdraft funds (including installment products) can only be used for consumption purposes that comply with legal regulations and cannot be used in the real estate industry (including but not limited to the purchase of houses and parking spaces), production and operations, and stocks. Investments such as bonds, funds, etc. shall not be used to repay loans, credit cards, IOUs, etc., and shall not participate in any illegal financing, lending, gambling, etc. Previously, Minsheng, Ping An, CITIC, Everbright, Agricultural Bank of China and other banks have successively issued announcements clarifying the use of credit card funds, clearly stating that personal credit card overdrafts should be used in the consumption field, and shall not be used in non-consumption fields such as production, operation, investment, etc., including house purchases, Securities investment, financial management, other equity investments and other prohibited fields, etc.

This ends the introduction on why CITIC Credit Card cannot be swiped and how to swipe CITIC Credit Card. Have you found the information you need?