1. Generally speaking, credit cards have a credit limit. Credit card consumption is actually an overdraft. After reaching the credit limit, you can't swipe your card again until you return the money and restore the credit limit. Generally, those who apply for the United States choose to spend in US dollars and repay in RMB. Although automatic repayment is set, it doesn't mean that if they spend, they will automatically make up in RMB, and the system will not settle the bill together until the automatic repayment date. In other words, if the corresponding credit limit is filled between the automatic repayment dates, the card will be rejected.
2. Foreign consumption requires advance notice. If you want to use a credit card to spend abroad, you need to inform the bank in advance or personally open the function of spending abroad at the bank. If the credit card is rejected abroad, it is because the bank's security system is very strict, so it will block unauthorized foreign transactions. However, as long as you call the bank to explain and start the function of foreign consumption, the problem will be solved.
3. Accidentally started the bank's fraud protection system, and the bank strictly controls all online and market transactions, so when you compare' unsafe' websites or swipe the same number too many times in a short time, the bank will think that your credit card has been stolen and freeze your credit card immediately.
4. There are too many transactions to be swiped. I don't know if you have noticed, sometimes the bank will send a message saying that a certain transaction amount of the credit card has been held, especially when refueling or staying in a hotel. This is because sometimes merchants don't know the exact amount they will charge you in the end, so they will' detain' a certain amount, such as RM 200 or RM 300, and will automatically cancel after the transaction is completed. However, if there are too many credit card transactions at the same time, the bank will temporarily freeze or reject a new transaction. This is why there should be two or more credit cards that can be used for different purposes.
5. The amount to be swiped is too high. If you suddenly spend a lot of money in a store, sometimes the bank may refuse to swipe the card directly, because there will be too many differences according to the previous transaction records. Therefore, if you want to continue this transaction, you may have to call the bank yourself to explain and ask them to approve the credit card transaction.
6. Every credit card has a credit limit, which depends on your monthly salary and credit evaluation when you apply (varies from person to person). Therefore, every time you pay by credit card, you should carefully calculate whether your credit limit has reached the top. Remember, credit cards are only short-term loans. Even if you can get what you want now, you still have to pay your debts with your own money. In fact, swiping cards is a very common thing, but many people don't know that frequent swiping cards will bring great damage to credit evaluation.
7. The credit card has expired. It has actually been in your wallet for a long time. Did you forget to see if it is still valid? Just look at the expiration date in front of the credit card, and you will probably know when to renew the credit card at the bank (preferably one month ago). Don't wait until your credit card is rejected. If you have any credit card problems, the most direct and simple way is to contact the bank and follow the steps taught by the customer service staff.