The merchant cannot refund the cardholder in cash when returning the product. When a consumption transaction cannot be returned successfully, it should be confirmed that the transaction was unsuccessful (as long as the POS receipt cannot be printed successfully during consumption, it will be regarded as an unsuccessful transaction). You can query the card-issuing bank for the card status and account balance, and confirm whether the card status is normal and whether the amount of unsuccessful purchases has been credited to your account. If the card status is abnormal, the reason should be inquired; if the consumption amount has been recorded, the card-issuing bank should be promptly requested to assist in the inquiry and the amount of unsuccessful consumption should be transferred back. What to do when you change or suspend your card. When you request us to change your card because the magnetic stripe of your old card is damaged or the card has expired, we will issue you a new bank card. After you receive the new card, you need to check whether the card number of the new card is the same as the old card. If it is a new card that is renewed when the old card expires, you also need to pay attention to the usage period of the old card and wait until the old card expires. Cut it out and use new card. If a new card is issued due to loss or theft, the card number will be completely different from the old card. Please complete the card opening procedure after receiving the new card. There may be a handling fee for issuing a new card. If you take the initiative to apply for card suspension, please contact us by phone before cutting the card and sending it back to make sure the card is no longer in use. We will freeze your account to avoid risks in the process of sending the card back. Also note that if your card expires and cannot be used, the creditor-debt relationship in your account will remain unchanged. If your credit card is overdrafted, you still need to pay attention to the repayment period and amount. In the case of network interruption and error handling, common problems are caused by the network operation status, the stability of the communication system, the service staff's familiarity with the business, and the cardholder's own improper operation: First, the network is interrupted and cannot operate normally. Use card. If it is a credit card, it can be processed through manual authorization. In the case of debit cards, you generally have to wait until the network or system is normal before you can handle the business. After a problem occurs, the bank will usually study and eliminate it in a timely manner, and customers need to wait patiently. Second, the transaction failed midway, resulting in errors in the card account. Don't panic when this happens. Currently, all banks have established corresponding error handling mechanisms and will adjust relevant accounts for you as soon as possible to ensure the safety of customer funds. If the cardholder has any doubts about account transactions, he should contact the card-issuing bank promptly and ask him to inquire about the transaction status. During the inquiry period, he should keep in touch with the card-issuing bank by phone or other means of contact. For erroneous transactions that require accounting adjustments, you should ask the card-issuing bank to clarify the adjustment time. For the error handling period, please refer to the "Interim Measures for Handling Errors in Bank Card Inter-bank Business". Don’t worry if you lose your credit card. There are many and easy ways to report the loss. Once your card is lost, you should report the loss as soon as possible. Loss reporting is generally divided into temporary loss reporting and formal loss reporting. Temporary loss reporting refers to reporting loss by phone (call the service number of the card issuing bank to report the loss) and verbal loss reporting. For temporary loss reporting, we only assist in prevention and do not bear any losses. Temporary loss reporting will be automatically lifted after the specified time exceeds. Formal loss reporting refers to written loss reporting. , cardholders can go to the card-issuing bank (or designated outlets) in person, or entrust others to report the loss on their behalf. When entrusting others to handle the transaction, the cardholder's power of attorney and relevant documents should be brought with him. After making a formal loss report, you should pay attention to the effective time of the loss report and the changes in funds in the account. If you find any suspicious transactions, you should promptly ask the card-issuing bank to assist in the inquiry, or ask the public security department to file a case for investigation. If the card is found lost outside the location of the card-issuing bank, the loss should be reported promptly at the designated outlet. At the same time, the card-issuing bank can also provide appropriate emergency withdrawal services according to your requirements. If you report a credit card lost first and it is later used fraudulently, you are not responsible for any unauthorized charges. What should I do if my card suddenly cannot be swiped? Don’t be anxious when this happens, because there are many reasons for your card to be rejected: If the merchant is not a special merchant of the credit card or the credit cards accepted by the merchant do not include your credit card brand, you only need to Use a card that is acceptable to the merchant to swipe the card or pay with cash; if your card's magnetic stripe is damaged, the machine cannot read it, or the authorization line is abnormal, you can ask the merchant to call the bank where the POS machine belongs for authorization. Contact the service center to obtain the authorization password; you may have unpaid debts or have exceeded your credit limit, or the card validity period has expired, or the card has been reported lost/deactivated, and the POS machine cannot accept your card. Please use cash. Pay.

When a merchant refuses to allow you to swipe your card for consumption, you can ask the merchant to explain the reason. If you think the handling method is inappropriate, you can negotiate with the merchant. If you cannot communicate, you can inform the card-issuing bank of the merchant's name, address, phone number, consumption time, amount, etc. Customer service phone number for further coordination. What should I do if I buy a defective product? Shopping with a credit card is of course a very happy thing, but don't be angry when you find that the items you purchased are not satisfactory or have quality problems. If you adopt appropriate handling methods, the problem will be solved satisfactorily soon. So, what is the appropriate solution? First, you need to communicate with the merchant and ask them to replace the product with a new one or repair it for free. If you want to return the product, you need to ask the merchant to get back the original purchase form you signed. If the purchase order has been settled through the bank (that is, the amount has been credited to the merchant's financial account), you must ask the merchant to make a return transaction to wipe out the original account. Remember to ask the merchant for a return signature as a voucher. What should I do if I am asked to pay additional fees for swiping my card? When a store signs a contract to become a special merchant of the card-issuing bank, it has promised to accept the card and is not allowed to charge additional fees to card swipers. If you are asked to charge a handling fee for a card payment, you have the right to refuse and report it to your card-issuing bank or company immediately. The credit card organization stipulates that you have the right to appeal to the merchant for this handling fee through the card-issuing bank or company. But when you encounter such a situation, remember to ask the merchant for a receipt or proof of the additional handling fee, such as an invoice, and keep it properly so that it can be used as evidence for future appeals. What should I do if my transaction has been terminated but my payment continues to be deducted? Have you ever applied for automatic bank card payment services (such as automatic payment of telephone bills, water bills, electricity bills, gas bills, etc.) or subscribed to publications through the computer network, but later you no longer want to subscribe or no longer want to use this service, and have notified you What if the corresponding merchant or bank terminates the transaction, but the money still continues to be deducted? If this happens, you should contact the merchant or bank as soon as possible to ask the reason. If the bank card automatic payment service is handled through a bank, you only need to call the customer service department or bank card center of the card-issuing bank to explain the situation, and if necessary, present the written basis for terminating the payment service at that time. The bank will process it soon after it is accepted. Get resolved soon. If the mail order business is handled through a computer network, you need to contact the merchant handling the online business, notify the merchant to stop the deduction, and require it to issue a written certificate. If the merchant is still unmoved, you can take further action, that is, notify your card-issuing bank to stop the payment. Usually at this time, the bank will ask you to write a statement stating that the debit transactions since when have not been received. Your authorization (or other relevant information, please ask the card-issuing bank for specific details). At this time, the card-issuing bank will ask the merchant for this part of the payment on your behalf. Your signature represents your rights, obligations, and corresponding legal responsibilities. Never be greedy for small profits or cause illegal disputes. What to do when the actual amount of money dispensed by the ATM does not match the amount deducted. Due to communication failures, machine malfunctions, etc., the actual amount of money dispensed by the ATM may not match the amount deducted by the cardholder. If you encounter this situation, you should keep the original voucher and promptly submit a chargeback request to the acquiring bank or card-issuing bank. What to do if the balance "evaporates" if your credit card transaction fails at the POS or ATM, but the account balance is reduced. You should contact your card-issuing bank immediately. The card-issuing bank will check the original documents or use other means to verify the situation based on the situation. As long as the situation is true, a refund will be issued to you soon. During this process, you should cooperate with the card-issuing bank in its investigation and provide the required information, such as the transaction receipt. Question: What if the card status is abnormal when I withdraw money? Answer: When conducting B2C payment transactions, please carefully check the password of the password card. If you enter the wrong password of the personal online banking password card three times in a row on the same day, the external payment function will be temporarily frozen. Please try again the next day. If you are in a hurry to use it, please bring your valid ID and online banking registration card (or registered account) to an outlet that provides personal online banking services to handle the unfreezing procedure for the online banking payment function for free. The payment function will take effect immediately. If you enter the wrong password for your personal online banking password card 10 times in a row, the external payment function will be officially frozen. Please go to the counter to unfreeze the online banking payment function to restore normal use rights. For password card customers, the parameter control of "Limit on the number of empty swipes of dynamic password cards on the same day" and "Limit on the number of historical empty swipes of dynamic password cards" has been added. The specific parameter values ??are 5 times and 10 times respectively.

When obtaining a challenge coordinate value and entering a correct value, the number of challenges will be set to 0; when no coordinate value is entered, the number of challenges will be increased by 1; when an incorrect coordinate value is entered, the number of challenges will remain unchanged. When the value of the number of times to obtain challenge coordinates reaches the "limit of the number of empty swipes of the dynamic password card on the same day", the password card will be temporarily locked and no more transactions can be made on that day. If you still need to conduct password card transactions on the same day, you need to bring a valid ID and electronic password. card, any personal online banking registration card (or registered account), go to the counter of the "Certificate Agency" outlet to clear the number of empty password card swipes. When the number of challenge coordinates obtained reaches the "dynamic password card historical empty swipe limit", the password card will be permanently locked and you can no longer conduct password card transactions. You need to bring valid documents, electronic password cards, and any personal online banking registration card. (or register an account) go to the "Certificate Agent" outlet counter to clear the number of times the password card has been swiped.