During the credit card transaction, it shows that the credit card transaction is abnormal and the bank has restricted the transaction, indicating that the user's credit card may be controlled by the wind and cannot be used normally. At this time, the user needs to contact the customer service hotline of the issuing bank, so that the manual customer service can inquire about the reasons why the credit card cannot be traded, and then solve the problem according to the customer service guidelines. If the credit card is overdue seriously, resulting in the card being controlled by the wind, then manual customer service can't help the user to remove the abnormal state. This requires waiting for the system recovery card.
Specific suggestions can be confirmed by calling the bank customer service hotline. Sometimes the transaction frequency is too high, and the transaction exceeds the merchant limit, which may cause the transaction to be impossible. According to the problem description, it should be that the cardholder has a risk problem in the process of using the credit card, which leads the bank to monitor its consumption.
First, if the credit card is abnormal at the time of consumption, resulting in the transaction being restricted, it is probably due to the following reasons:
1. The merchants consumed by customers were blacklisted by banks, and the POS machines for swiping cards were not standardized, resulting in code skipping.
2. The bank suspects that the transaction is not operated by the cardholder himself, and there is a risk of theft.
3. The customer makes a large amount of operation, or always swipes the card during the normal business hours of non-merchants such as midnight and early morning, or often swipes the card at the same merchant and the same POS machine, which is suspected of being cashed out by the bank.
4. The previous repayment was overdue, which led to an increase in account risk and was frozen by the bank.
5. When entering the transaction password, the transaction password was entered incorrectly and was temporarily locked by the issuing bank. If it is the first reason, maybe it is no problem for customers to change businesses. If it is the second or third reason, the customer confirms his identity with the bank and provides the latest transaction details of the card. If the bank finds no problems after the audit, it should lift the risk control. If it is the fourth reason, you may not be able to use the card in the short term, so you can only pay off the debt quickly and take good care of your credit. If it is the fifth reason, just go to the bank to unlock and reset the password.
Second, after the credit card restricts the transaction, the cardholder can solve the problem according to the restricted reasons. The reasons and solutions for the limitation are as follows:
1, suspected of cashing out. If your credit card is suspected of being restricted by the bank, then the cardholder can provide the bank with relevant consumption vouchers and then apply for lifting the restrictions;
2. Consumption restrictions. If the cardholder has set the transaction limit before, it may have reached the limit, so the cardholder can further increase the limit if the transaction is restricted;
3. There are not enough places. If the cardholder's current transaction amount exceeds the available credit card amount, the transaction cannot be successful.