Error in reading ick on credit card

It is possible that the credit card is broken

It is generally recommended that you try another pos machine. If this problem still exists when switching to another pos machine, you can directly call the customer service hotline on the back of the card to check whether the credit card status is abnormal. If there is nothing abnormal after checking, it should be that the credit card has been demagnetized. Let the bank reissue it for you free. Network reasons may also lead to the failure of card reading. You can wait until the network returns to normal before swiping again.

What is the reason for the credit card failure

It may be caused by the following situations:

1. The credit card is not opened;

2. When the credit card reader is in use, the line is busy, or it breaks down, or the credit card reader itself breaks down, so the transaction information cannot be transmitted;

3. The available credit card amount is insufficient;

4. The magnetic stripe on the back of the card may be demagnetized or the card has been damaged;

5. make consumption in merchants restricted or prohibited by the state and regulatory agencies. For example, the banking regulatory bureau has restrictive requirements on non-personal daily consumption such as housing, building materials and wholesale.

when a consumer swipes a card at a merchant's POS machine, the POS machine will send out a data packet, which is first accepted by the acquirer and then forwarded to the issuing bank through the UnionPay system.

after being confirmed by the issuing bank, the data packet is sent back according to the reverse process, reaching the billing machine connected to the POS terminal of the merchant, and the output document is confirmed by the cardholder.

it is precisely because of such a data transmission process through multi-party nodes that any node has problems, which may lead to transaction failure.

in this way, if the data has been sent to the issuing bank, the issuing bank will confirm the deduction, but when the data is sent back, it will encounter obstacles, resulting in the failure of the transaction, and this consumption is likely to have been charged.

Main features of credit card:

1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and meet social needs.

Main types

According to different card issuers, it can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different card issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

according to different payment methods, credit cards can be divided into debit cards and debit cards

credit cards. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". At present, most of the cards in circulation in the world are of this kind.

credit card and debit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

what's wrong with the credit card reading?

There are the following reasons for card reading failure:

1. Whether the credit card is activated or not, many friends may forget to activate it for a while after getting the card, and a prompt of invalid card will appear when spending.

2. See if the card is degaussed, worn or broken. If your card is damaged, you will also be prompted with an invalid card when you swipe your card, because the PDS machine can't read the card information at all.

3. See if the card is expired, lost or frozen. If this happens, the card will be invalid and can only be used after being processed by the bank.

4. See if the POS machine has busy lines and failed connection. If so, it is recommended to try again later, or try again after re-debugging.

5. See if there is a time limit for swiping the card. Some POS machines have a time limit for swiping the card. If you swipe the card outside the time limit, some POS machines will prompt invalid swiping, or the time limit for swiping the card, etc.

in case of card reading failure, you can first determine the reason for the failure and then go to the bank to resume the card reading function.

credit card usage and precautions:

1. After receiving the credit card, it needs to be activated first. If the credit card applied online can only be activated at the bank outlet. If you APPly for a credit card in a bank, you can activate it online. The cardholder can log in to the official website self-service activation of the bank to which the credit card belongs, call the customer service number marked on the back of the credit card, or download the bank mobile app to activate it.

2. Generally, ordinary credit cards will not charge an annual fee if they are not activated, but high-grade credit cards will also charge a lot of annual fees if they are not activated. However, banks generally have an annual fee-free policy and need to ask the staff in advance. When using a credit card, you usually swipe your card at the mall, enter your password and sign it. Don't lend your credit card to others. If the credit card is overdue caused by others, the bank will pursue the cardholder's responsibility.

3. In the process of using credit cards, don't spend blindly, but pay attention to your own limit. If you feel that you can't repay them, you need to stop spending, otherwise the overdue period will be recorded in the credit information system, resulting in future bank credit business not being tried. On the credit card repayment date, the bank will give the cardholder a grace period of 3 to 5 days, during which the repayment is not overdue, and once it exceeds this period, it will charge default interest and record the credit information.

What's wrong with the credit card?

The credit card abnormality may be caused by many reasons. If the abnormal credit card has been frozen by the bank, you can call the bank's customer service to inquire about the specific reasons, and then make corrections. After the correction, ask whether the bank can resume using it to avoid similar things in the future.

Causes of abnormal credit card:

1. The credit card must be repaid in time during use. If the repayment is often overdue, the bank will freeze the credit card, which will cause the abnormal use of the credit card. At this time, just explain the reasons for overdue to the bank and ensure that it will not be overdue in the future, and the credit card can still be used normally.

2. If the credit card payment is limited, it is likely that the transaction is abnormal, such as the bank detecting the possibility of credit card theft, insufficient credit card limit, exceeding the single payment limit, etc., which can lead to credit card abnormality. After the abnormality, you have to call the bank to find the best solution.

3. At present, many credit cards are chip cards, but a few of them are magnetic stripe cards. If the magnetic stripe fails, the card reading may fail. In this case, the credit card can't complete the transaction normally, and the credit card is abnormal. In this case, you need to go to the bank to reissue a new card.

4. Pay attention to whether the credit card device is abnormal when you spend your credit card. If it is caused by the merchant's credit card device, you should pay attention to whether the credit card has been overcharged. At this time, you can check the SMS reminder and save the transaction invoice, which will be very helpful for future reconciliation.

that's enough for the introduction of the failure of credit card reading.