The solution to the limited credit card transaction: the user is suspected of cashing out and submits the consumption voucher to the bank for review; The transaction amount is limited, and users can adjust the credit card transaction limit; If the available credit card limit is insufficient, part of the debt collection limit will be returned in advance; The transaction is risky, and the user can change the POS machine for credit card consumption; Transaction system failure, network delay, etc. Wait a while before swiping your card.

POS card reader

Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, draw the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank, and input the corresponding amount. After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

RFID camera card

It is a new credit card usage mode and networking mode, which is sensed by swiping the card on the RFID machine. When picking up the card, the operator must first check the validity period of the credit card and the cardholder's last name. Then, according to the issuing bank and the kind of currency to be paid, select the corresponding punching machine, input the corresponding amount, and lay the credit card flat on the sensor for no more than 10cm. After the RFID machine senses the credit card, it will send out a signal sound and then continue to run the program. After the remote payment receives the information, the printer (if connected) will print out the receipt of credit card payment, but unlike the previous method, the cardholder does not need to sign, which is faster and more convenient than the previous method. At this point, the card swiping induction program on the RFID machine is completed.

Manual pressure plate

Usually, manual pressure tablets are used without POS machines or networking. The pressing operation must have a pressure-sensitive copy of the Direct Purchase Order (at least two copies) and a telephone. The inspection before pressing the order is the same as that of the POS machine. Then, the operator prints the name, etc. Note the credit card on the purchase order with a card press, and write down the amount, date and other information, then call the authorization hotline of the acquiring bank, report the card information to apply for authorization, write the obtained authorization code on the purchase order, and the cardholder will sign it after confirming it is correct. After checking the signature, the operator gives the cardholder a copy of the credit card and the order form. At this point, the manual pressing procedure is completed. Authorized calls are usually made immediately. In some areas with poor communication or good credit discipline, merchants will encounter the situation that they will deliver the goods after signing the card to complete the transaction. Authorization will be completed in the future, but the merchant is at risk of encountering a credit card (if the customer pays with an invalid card and does not apply for an authorization code immediately, it will not be discovered immediately).

How to lift the restriction of credit card on consumption?

1. If there is a problem with the merchant's POS machine, or there is a problem with the payment order, the user can cancel the restriction by changing the POS machine to spend by swiping the card or paying other orders.

There is something wrong with the credit card itself. For example, if the card is controlled by the wind due to overdue or illegal use, it is necessary to pay off the overdue debts first, or submit relevant certification materials, and the credit card can be restored after passing the bank review.

Therefore, credit card transactions are restricted, and users need to check whether there is a problem with the card itself or during the transaction.

Wechat credit card payment limit lifting method:

Wechat credit card payment limit is divided into two situations, one is a single limit, usually between 5000-65438+ 10,000 yuan; The other is the single-day cumulative limit, which is usually between 20,000 yuan and 65,438+10,000 yuan.

If it is a single credit payment limit, you can try multiple payments; If the single-day credit card payment exceeds the limit set by the bank, you can only replace the credit card or savings card for payment; If it does not exceed the maximum limit set by the bank, you can apply to the bank credit card center for adjusting the limit.

Wechat can only solve the problem of restricting credit card payment if it finds the reason. The cardholder should first check whether the current status of the credit card is normal. As long as it is not frozen, stopped paying or blocked, it can be ruled out that abnormal credit card status leads to WeChat restricting transactions.

To see if the transaction limit is reached, all major banks will set a transaction limit for WeChat credit card payment. In this case, you can change the transaction amount and try again. If you still can't trade, the big reason is that you are subject to wind control and need to wait for the system to cancel automatically.

Credit cards are not allowed. How to solve this card transaction?

There are many reasons why credit cards are not allowed to use this card for transactions, and different reasons have different solutions.

Incomplete reserved data:

You need to bring a valid certificate to the bank outlet to complete the information before you can use it normally.

2. Bank upgrade of the issuing bank:

In this case, you can contact the bank to ask about the upgrade time and negotiate with the bank to solve it.

3. The card is damaged, exceeds the limit, and the credit card is frozen:

When the card chip fails, the POS machine will not be able to swipe the card. At this time, the cardholder can bring his ID card and card to the bank to apply for a new card. In addition, when the credit card exceeds the payment limit or the credit card is frozen, the credit card cannot be used.

4. Suspected of cashing out:

If the cardholder swipes a fixed integer amount on the POS machine for a long time, the bank will think that the cardholder is suspected of cashing out and the credit card will not be used normally. Cardholders can provide relevant consumption vouchers to the bank and apply for lifting the restrictions.

If the credit card does not allow this card transaction, you can contact the customer service of the issuing bank for consultation. If the bank says the card is ok, contact China UnionPay again.

First, the general credit card withdrawal limit is 30% of the total overdraft.

For example, if the overdraft limit of a credit card is 1000 yuan, then the withdrawal limit of this card is 3000 yuan, which means that if you want to withdraw cash, you can only withdraw 3000 yuan at most.

Second, credit card withdrawal must first charge a handling fee.

The interest rates of handling fees vary from bank to bank. For example, the credit card withdrawal fee of CCB is 0.5%, that is to say, the withdrawal fee of 1 0,000 yuan will be charged by 5 yuan. Then you have to charge interest of five ten thousandths of the overdraft every day. Take the above as an example, that is, the daily interest charged to 0.5 yuan by 1005 yuan is different, and it bears interest, that is to say, the interest will be added to the principal to calculate the interest together, while the credit card will not, but only settle the interest on the overdraft amount and will not bear interest.

Credit cards are called credit cards because they keep their promises. If you don't repay before the stipulated repayment date, it is a breach of contract. If it is not repaid for a long time, the bank has the right.

What if the credit card can't be traded?

Credit cards cannot be used for current transactions, which may be caused by the following reasons:

(1) Merchant does not support credit card collection. This situation occurs in offline shopping, mainly because the merchants have not opened the credit card collection service. At this time, consumers should pay with a savings card.

(2) The issuing bank prohibits trading. Credit cards are not allowed for some transaction types, such as transfer, online loan repayment and credit card repayment. Credit cards cannot be used for transactions.

(3) The transaction amount is limited by the credit card single payment limit. Banks generally stipulate the single maximum amount of credit card consumption. If the price of the goods purchased is high, you can't use credit cards for transactions.

Credit card application process:

(1) Application: Generally, the application method is to fill in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. 、

(2) Information: Information includes the information of the main card holder, the information of the supplementary card applicant, the information of the guarantor, the statements and signatures of the main card applicant and the supplementary card applicant, and other information.

(3) Review: After receiving the application form and related materials submitted by the applicant, the issuing bank will review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

(4) Card Issuance: After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

(5) Card opening: Since the credit card application is sent by postal currency card after approval, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card. After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.

(6) Identification: The card face of the credit card has at least the following information: front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated as month) and effective date (generally calculated as month). Chip account and card magnetic stripe account are two relatively independent accounts. Back: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline, the last four digits or all (to prevent fraudulent use), and credit card security code (the last four digits of the signature column on the back of credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

(7) Authorization: The merchant and the bank confirm that the credit card is valid, and contact the bank to request authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded. After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

(8) Use: Credit cards are usually limited to the cardholder's own use, and lending them to others is generally a violation of the use contract.

(9) Card cancellation: Before the cancellation of a credit card, the account balance must be settled, and the whole process of card cancellation should be completed within 45 days after the application.

Let's stop here for the introduction of what to do if the credit card can't be spent.