There are many reasons why the display of bank cards is restricted, as follows:
First, the status of the card is abnormal, such as degaussing the card and too many password locks.
Second, there is nothing wrong with the card and there is something wrong with the ATM. Failure to connect to the network will also limit transactions.
Third, if you hold an IC chip credit card, this phenomenon occurs because UnionPay has closed the downgrade transaction function.
Fourth, bank cards do not support transactions. For example, VISA /JCB single logo cards do not support UnionPay transactions, nor do they support some online transactions. Fifth, if a credit card holder swipes several large integer transactions in a row on the same pos machine, it will make the bank think that you are cashing in, which is strictly prohibited by the bank, so your credit card transaction will be restricted, and in serious cases, your credit card will be frozen. Sixth, the single-day transaction amount of credit card exceeds the limit. Seventh, credit card transactions are usually conducted in China. Suddenly there is a large consumption transaction abroad, and the bank will think that your credit card is risky, thus restricting or rejecting the credit card transaction. Generally speaking, there will be a problem that users cannot transfer money, withdraw cash or pay for restricted cards. Bank cards are restricted mainly because of abnormal transactions. At this time, in order to avoid unnecessary losses to cardholders, banks will restrict some functions of cards with security risks. That's basically it. There are many reasons for the limited display of bank cards, which are roughly as follows: First, the status of the card is abnormal, such as degaussing the card and locking the password too many times. Second, there is nothing wrong with the card and there is something wrong with the ATM. Failure to connect to the network will also limit transactions. Third, if you hold an IC chip credit card, this phenomenon occurs because UnionPay has closed the downgrade transaction function. Fourth, bank cards do not support transactions. For example, VISA /JCB single logo cards do not support UnionPay transactions, nor do they support some online transactions. Fifth, if a credit card holder swipes several large integer transactions in a row on the same pos machine, it will make the bank think that you are cashing in, which is strictly prohibited by the bank, so your credit card transaction will be restricted, and in serious cases, your credit card will be frozen.
How about Wuhan Rural Commercial Bank Meituan Credit Card?
Yes, it is a practical credit card, which provides cardholders with one-stop financial consumption services such as take-away, catering, tourism and entertainment, and creates the first "extraordinary life" credit card in Hubei Province. Cardholders can pay through Meituan platform, and enjoy such preferential activities as the successful reduction of 6 yuan for the first order of daily take-out orders, the drawing of red envelopes and coupons by pen and pen, and the accumulation of Meituan change by irregular designated consumption. At the same time, the card can also enjoy a number of benefits, including annual fees, loss reporting and replacement fees.
1. Wuhan Rural Commercial Bank has thoroughly implemented the spirit of the 19th Party Congress, stepped up the implementation of a series of major strategic arrangements of provincial and municipal party committees and governments, and made every effort to build "characteristic banks, boutique banks and smart banks" with innovation as the first driving force, accelerated the pace of digital transformation, systematically promoted digital and intelligent transformation, and followed the principles of "openness", "integration", "synergy" and "empowerment".
2. With the rapid development of mobile Internet technology, "quality" service has always been the purpose of credit cards of Wuhan Rural Commercial Bank. This time, together with Meituan platform, we will focus on the consumption scene of "eating, drinking and having fun". Through the two-way empowerment of "consumption scene+user experience", we will concentrate our respective superior resources with Meituan, adhere to science and technology as the core, take customers as the center, accurately reach local users, and deeply focus on user consumption scenes and needs.
3. Wuhan Rural Commercial Bank originally belonged to Tonglian's existing AIC standard card bank, with nearly 230,000 cards. At the beginning of 2020, we began to discuss the project of receiving++cards, but due to the epidemic, we officially started to move in late August. In addition to accessing the function of Meituan co-branded card, the project also needs to move the existing brand card into the new system, and there is not much time left for the project team from project start-up to production.
4. Faced with the characteristics of tight project time, heavy tasks and great difficulties, all parties of the project cooperated with each other, especially in the face of practical difficulties such as the shortage of resources for several key projects of the company, the President's Office actively guided and coordinated, and the data center, marketing department, business support department and product innovation department made full efforts to promote it, and all departments of R&D cooperated with each other. Only after more than three months, the project has completed the migration and development of standard card data, involving the development and transformation of more than 50 systems, newly developed independent systems including joint card approval and big data report platform, and more than 8,000 test case data projects, successfully solved the transformation of one check and two sets of approval systems, and successfully completed various tasks.
How to calculate the credit card points of Hubei Rural Commercial Bank
The credit card scoring rules of Hubei Rural Commercial Bank are slightly different, and the scoring rules are as follows:
(1) Foca standard card
According to the cardholder's effective consumption of RMB 1 yuan product 1 points, the points are permanently valid (the account is cleared); Fuka standard card can be awarded 1000 points; On the cardholder's birthday, you can enjoy double points when spending by credit card; It is recommended to apply for the standard card bonus points of 1000, and the points need to be activated before they can be recorded.
(2) Fokka Gold Card
According to the cardholder's effective consumption of RMB 1 yuan product 1 points, the points are permanently valid (the account is cleared); Fuka standard card can be awarded 1000 points; On the cardholder's birthday, you can enjoy double points when spending by credit card; It is recommended to apply for the standard card bonus points of 1000, and the points need to be activated before they can be recorded.
(3) Foca diamond card
According to the cardholder's effective consumption of RMB 1 yuan product 1 points, the points are permanently valid (the account is cleared); Foca diamond card can reward 20000 points when it is opened; On the cardholder's birthday, you can enjoy double points when spending by credit card; It is recommended to apply for diamond card reward points of 20000, and the points need to be activated before they can be recorded.
(4) Fokka Platinum Card
According to the cardholder's effective consumption of RMB 1 yuan product 1 points, the points are permanently valid (the account is cleared); Foca Platinum Card can be awarded 10000 points; On the cardholder's birthday, you can enjoy double points when spending by credit card; It is recommended to apply for Platinum Card Award Points 10000, and the points can only be recorded after the referee card is activated.
Hubei Rural Commercial Bank-Credit Card-Fuka Standard Card
Hubei Rural Commercial Bank-Credit Card-Fuka Gold Card
Hubei Rural Commercial Bank-Credit Card-Fuka Diamond Card
Hubei Rural Commercial Bank-Credit Card-Fuka Platinum Card
How to repay the credit card of Hubei rural credit cooperatives?
Repayment through the outlet counter.
You can freely choose "full repayment" or "minimum repayment". If you choose full repayment, consumers can enjoy an interest-free period of up to 54 days.
According to Article 13 of Fuka Credit Card Articles of Association of Hubei Rural Commercial Bank:
The cardholder shall display the logo of the credit card organization or company (including but not limited to VISA) on the card face.
, MasterCard, UnionPay), which can be used at acceptance points with acceptance marks at home and abroad and other special merchants (including online merchants), business outlets and self-service equipment designated by card issuers.
Cardholders' consumption and cash withdrawal transactions at home and abroad must abide by national laws, regulations and rules, as well as the relevant provisions of card issuers, special units and credit card organizations or companies. Cardholders who use credit cards to conduct business through electronic banking channels shall abide by the relevant articles of association, agreements and trading rules of the card issuer's electronic banking business. Company cards cannot be withdrawn directly.
Extended data:
According to Article 16 of Fuka Credit Card Articles of Association of Hubei Rural Commercial Bank:
All transactions with passwords are regarded by the card issuer as the cardholder's own, such as credit card consumption, deposit and withdrawal, online payment, mobile phone payment, etc. , according to the password and other electronic information for the cardholder, the electronic information record generated by the transaction is a valid voucher for the transaction.
If a transaction is conducted without a password, the transaction voucher signed by the cardholder, other supporting documents agreed between the card issuer and the cardholder or other basis for confirming the cardholder's own consumption are valid vouchers for the completion of the transaction, unless otherwise agreed between the cardholder and the card issuer.
Hubei Province Rural Credit Cooperative (Rural Commercial Bank)-Repayment Service
So much for the introduction of Hubei Rural Commercial Bank's credit card.