1. The card status is abnormal, for example, the card is demagnetized, and the password is locked due to too many wrong entries, so it is recommended to call the banking service hotline for confirmation;
2. There is no problem with the card. The signal of the POS machine is not good, and the transaction will fail if it is not connected to the network;
3. If you hold an IC chip credit card, because UnionPay has turned off the downgrade transaction function, if the cashier still operates the transaction by swiping the card instead of inserting the card, it will also be unusable;
4. the card does not support transactions. for example, the card with visa single logo /jcb single logo does not support unionpay transactions or some online transactions. This behavior belongs to risk control, referred to as risk control.
5. Exceeding the limit: a credit card has a single transaction limit and a single-day transaction limit. Exceeding the limit will show that it is restricted when swiping the card.
6. risky transaction: every transaction of credit card is monitored, and if the current transaction is risky, it will be restricted.
7. Cash-out: If the bank detects the cash-out behavior of the transaction, the bank will immediately restrict the credit card transaction.
8. bank reason: if the issuing bank refuses to trade, it will also show that it is restricted.
9. other reasons: when swiping the card due to network failure or equipment failure, there may also be a restricted prompt.
in order to keep customers' funds safe and prevent others from copying, imitating fake cards and stealing them successfully, the payment system automatically controls the risk and intercepts the card transaction. For example, if you take a savings card to the ATM of a bank and enter the wrong password three times, does it mean that the card can no longer be withdrawn, or even the card is swallowed? You have to take my ID card to the bank counter to get the card. This is the wind control of ATM. Payment companies have powerful risk control systems. In order to protect the safety of customers' funds, you must not do the above operations, otherwise the card can not be used on pos machines and become a "restricted business card printing"! With regard to the "single amount exceeding the limit", some banks have imposed restrictions on the single amount due to the recent rampant gang of stealing and swiping fake cards, especially China Merchants Bank (5, for Pos and 1, for online shopping), Bank of Communications (restricting WeChat payment), Ping An Bank (Huayang Card Incident) and China Guangfa Bank (restricting the single amount), and so on.