Generally speaking, the release time is uncertain. It is illegal to cancel the transaction after the bank refuses it. 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. Common reasons why banks refuse to trade are:

1) There is a limit for trading, and the daily limit needs a certain amount. You can't trade more than this limit.

2) The status of the card is incorrect, and the card is invalid or unusable during the freezing period. Contact the bank to check the status of the card.

3) Insufficient available balance (such as pre-authorized business) indicates that the amount in the card is insufficient.

4) If there is a system failure or the cardholder information needs to be verified, you can contact the relevant customer service to solve it.

Second, how is the legal responsibility for illegally handling bank cards stipulated?

Measures for the Administration of Bank Card Business Article 57 The People's Bank of China shall order a commercial bank to make corrections under any of the following circumstances. If there is illegal income, a fine of more than one time and less than three times the illegal income shall be imposed, but the maximum amount shall not exceed 30 thousand yuan; If there is no illegal income, a fine shall be imposed according to relevant laws and regulations; If the circumstances are serious, the administrative responsibility of the directly responsible person in charge and the relevant directly responsible personnel shall be investigated; if the circumstances are serious, the responsibility of * * * shall be investigated:

(1) Issuing bank cards without authorization or practicing fraud in the process of applying for bank card business;

(2) collecting interest and fees in violation of regulations;

(3) Violating the provisions on the management of bank card accounts and transactions.

Operating environment: CCB: 5.5.9.002

I hope the above content can help you.