Credit cards cannot be swiped for several reasons:
I. Insufficient quota
The first reason why credit card swiping is unsuccessful is that the amount is not enough. Before you go out to swipe your card, you should check the available credit card amount, so that you can be prepared. Pay attention to the official WeChat of bank credit card or call customer service of credit card.
It is suggested that cardholders can apply for a temporary limit. Generally apply to the bank to increase the temporary quota, and the bank will approve it. The cardholder only needs to repay in full before the final repayment date.
Second, the password is wrong.
When the POS machine prompts "password error", it must be a credit card transaction password error. At this point, the cardholder should carefully recall his credit card password and re-enter it. Because once the credit card password is entered incorrectly for three consecutive times, the system will automatically lock the card to ensure the security of the cardholder's funds.
Tip: When setting a password, it is best to avoid simple number combinations such as "123456" and "000000". Although this combination is convenient to remember, it is also easy to be guessed by criminals, resulting in the theft of credit cards. It is suggested that cardholders set the password to a combination of special anniversaries or special days, such as the number of combinations of parents and their own birthdays.
Third, the merchant quota.
The credit card limit is obviously enough, but it indicates that it exceeds the consumption limit of the day/the number of transactions of the day? According to the requirements of the regulatory authorities, credit cards are not allowed to be used in non-consumption areas, and the safe has also clearly stipulated the trading limits of certain types of overseas merchants. Therefore, in order to ensure the safety and compliance of cardholders' card use, banks will limit the transaction amount and transaction times according to different merchant types. In addition, some online merchants have a single or daily cumulative limit of 1 000 yuan, subject to the announcement of the merchants.
Tip: Cardholders should use credit cards reasonably and legally, and they can swipe their cards freely at daily retail merchants. Special merchants should pay attention to the credit card limit.
4. The card status is not normal.
Long-term non-repayment, fraud risk and other reasons may lead to the card being locked; Magnetic stripe cards are often put together with electronic products such as mobile phones, which may lead to degaussing.
Why does my credit card always display an error when entering a password?
Two passwords need to be set in the process of credit card activation, and the object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Extended data:
In the process of credit card activation, you need to set two passwords, one is the transaction password, which is used for credit card transactions, and the other is the telephone banking password, which is used for telephone business. Wrong password, the two passwords may be confused.
In order to protect the cardholder's assets, the bank will lock the card when the wrong password is entered many times, mainly to prevent the card from being lost or stolen and the property loss caused by malicious testing by criminals. The number of times the credit card password is entered exceeds the limit, which means that the password is entered incorrectly for more than 6 times or more, and the number of times exceeds the limit. But generally, if you press the wrong password three times, the credit card will be locked.
Precautions:
1, need to check whether the login password, payment password and bank payment password are confused;
2. Check again whether the case, full width and half width you entered are correct. We need the password you entered to be exactly the same as the password you set.
3. In addition, please pay attention to whether the password you modified is the same as the Alipay account you are currently operating. If there are no errors, you can choose to reset the login password and payment password, and then reset the relevant passwords.
Lock card is divided into temporary lock card and permanent lock card.
1, overrun temporary lock card. Enter the password to connect for a total of 3 times, and the bank will temporarily freeze your online banking login password qualification for that day and automatically unlock it after 24 hours.
2, overrun permanent lock card. If the wrong password is entered ten times or more in a row, the card will be locked permanently. At this time, you need to unlock it by phone or at the counter. Unlock the counter and take valid documents (such as ID card and household registration book). ) and credit cards, to the relevant banks or business outlets or counters. It can be unlocked on the same day.