When credit card transactions are not allowed, you can call the credit card customer service hotline for consultation. You can find out the reason through consultation and then handle it accordingly, or contact customer service. Common reasons why credit card transactions are not allowed include security risks of the credit card account, bank freezing of the credit card, credit card expiration, etc.

Credit cards are widely used in daily life, providing convenience to people's lives. However, credit cards must be repaid on time after use, and there must be no overdue repayments, because there will be arrears interest after overdue repayments. The longer the time, the more interest is owed, and the bank will press for collection after overdue repayment.

1. When a credit card cannot be returned on time after use, users can use installment repayment or the minimum repayment amount to reduce the monthly repayment amount and avoid overdue payments. However, when using installment repayment, you must comply with the bank's regulations. At the same time, the more installments there are, the more handling fees users pay. Late payments on credit cards will be investigated at a credit meeting. A bad credit investigation will affect the processing of various loans. Moreover, after the debt is paid off, the overdue record will be retained in the credit report for 5 years and will automatically disappear after 5 years. If the loan is not repaid, it will remain on the credit record. There are many reasons why credit card transactions are not allowed. There are different solutions for different reasons.

2. Reason 1: Issuer bank upgrade: In this case, you can contact the bank to inquire about the upgrade time and negotiate with the bank. Reason 2: The card is damaged, exceeds the limit, and the card is frozen: When the card chip fails, the POS machine cannot swipe the card. At this time, the cardholder can bring his ID card and identity card to the bank to exchange for a new card. In addition, if the credit card exceeds the payment limit or is blocked, the credit card cannot be used. Reason 3: Suspected cash withdrawal: When the cardholder swipes a fixed integer amount on the POS machine for a long time, the bank will determine that the cardholder is suspected of cashing out, and the credit card will not be able to be used normally. Cardholders can provide relevant consumption vouchers to the bank to apply for lifting the restriction. Reasons why credit card transactions are restricted may include exceeding the single transaction limit for a single day, or being considered a risky transaction by the bank. When using a credit card, a single transaction limit for a single day will be set. If the limit is exceeded, the transaction will be restricted. If a credit card suddenly makes large purchases in other places, it may be considered a risky transaction and will also be frozen.