The bank refused to trade:
1. Credit card with bad transaction record: The card used by consumers for payment has bad transaction record.
2. Unauthorized transaction: The card used by the consumer to pay is a 3D card, but the 3D verification code is not filled in during the payment process. The system will judge the transaction as unauthorized and refuse to deduct the money. In addition, it is also possible that the issuing bank of the consumer has not authorized the transaction.
3. Repeated payment on the same IP in a short period of time: Consumers repeatedly pay on the same IP in a short period of time, which is suspected of illegal activities such as cashing, money laundering and fraud. The system refused to deduct money.
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There are several reasons for this:
1. Credit card with bad transaction record: the bank card used for payment when the cardholder swipes the card has bad transaction record;
2. Unauthorized transaction: the card used by the cardholder for payment is a 3D card, but the 3D verification code is not filled in during the payment process, and the system will judge it as unauthorized transaction and refuse to deduct money;
3. Repeated credit card payment in the same place for many times in a short period of time: If the cardholder repeatedly makes credit card payment in the same place for many times in a short period of time, the system will refuse to deduct money if there are suspected illegal behaviors such as cashing, fraud and money laundering.
Precautions:
Once you find that the bank card is abnormal, you must take the initiative to contact the customer service of the issuing bank and let the customer service find out the specific reasons.
When a bank card is traded, if there is a prompt to refuse the transaction, it can generally be cancelled on the same day. For example, if the banking system detects a risky transaction and refuses the transaction, the user will use the card to spend money in other security scenarios, and the status of refusing the transaction will be automatically lifted. Or the balance in the bank card is insufficient, and the system refuses to trade. As long as the user ensures that the balance in the card is sufficient, the transaction can be carried out normally.
The classification of bank cards is as follows:
1, debit card
Debit card can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
2. Credit card
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.