The reasons why the credit card cannot be used are as follows:

1. Insufficient limit

The number one reason why the credit card cannot be used is the insufficient limit. You should check the available limit of your credit card before swiping your card to make a purchase so that you are well aware and prepared. You can check it by following the official WeChat account of your bank's credit card or calling the credit card customer service number.

It is recommended that cardholders can apply for a temporary limit. Generally, if you apply to the bank to increase the temporary limit, the bank will approve it. Cardholders only need to repay the amount in full before the final payment date.

2. Incorrect password

When the POS machine prompts "Incorrect password", it must be that the credit card transaction password has been entered incorrectly. At this time, the cardholder should carefully recall his or her credit card password and then enter it again. Because once the credit card password is entered incorrectly three times, the system will automatically lock the card to protect the cardholder's financial security.

Tip: When setting a password, it is best to avoid simple number combinations such as "123456" and "000000". Although such combinations are easy to remember, they are also very easy for criminals to guess the password, resulting in credit card theft. . It is recommended that cardholders set their passwords to a combination of special anniversaries or special days, such as the combination of their parents' and their own birthdays, etc.

3. Merchant Limits

The credit card limit is clearly sufficient, but you are prompted to exceed the daily consumption limit/number of transactions for the day? According to the requirements of regulatory authorities, credit cards must not be used in non-consumption areas. The State Administration of Foreign Exchange has also clearly stipulated transaction limits for specific types of overseas merchants. Therefore, in order to ensure the safety and compliance of cardholders when using their cards, banks will limit the transaction amount and number of transactions based on different merchant types. In addition, some online merchants have a single or daily cumulative limit of 1,000 yuan, which is subject to the merchant's announcement.

Tips: Cardholders should use credit cards reasonably and compliantly. They can swipe their cards as much as they want at daily retail merchants. They should pay attention to the credit card swipe limit at special merchants.

4. The card status is abnormal

The card may be locked due to long-term non-repayment, fraud risks and other reasons; magnetic stripe cards are often placed together with mobile phones and other electronic products, which may cause the card to be locked. Situations like degaussing may cause the card to become abnormal and result in transaction failure.

Tips: Cardholders should repay on time, even if they cannot repay in full, they must pay off the minimum repayment amount; keep their credit cards and card information safe; avoid storing credit cards with sharp objects and electronic items. Products, etc. are placed in the same place, and cardholders may consider applying for an IC chip credit card.

5. Poor communication lines

If the card is used correctly and the credit limit is sufficient, it is likely to be a system connection problem.

Tips: It is recommended that the cardholder re-swipe the card transaction or restart the POS machine and try again.