What happened when the credit card (debit card) suddenly stopped working?

The credit card (debit card) will suddenly be unusable due to reasons such as expired credit card, insufficient credit line, damaged card and frozen card. If the credit card (debit card) cannot be used when swiping the credit card (debit card), there will be a corresponding reminder on the POS machine. Users can call the customer service hotline of the issuing bank directly with the reminder, which can solve the problem that the credit card (debit card) suddenly cannot be used as soon as possible.

of course, it is also possible that there is a risk in the payment environment, and the system refuses to use credit card (debit card) to pay for this consumption after judgment.

What happened when the credit card suddenly stopped working and owed money several months later?

1. The credit card expired

In the process of using the credit card, if the cardholder has bad behaviors such as overdue, the bank will control the credit card. Although the card will not be sealed directly, it will be suspended. At this point, even if the cardholder's credit card has a limit, he can't use it. In this case, it is recommended that you pay off the arrears first, and then contact the bank customer service to apply for lifting the restrictions. After explaining the reasons for overdue, banks will generally agree to lift the restrictions.

2. The card used is not standard.

the system will compare the card swiping time, amount and merchant type from time to time. Card friends are classified according to their past card use behavior. If the transaction behavior is abnormal, such as big in and big out, spending by credit card during abnormal business hours, and the amount of credit card is not equal to the type of merchant, the use of credit card will be suspended.

3. Cash-out behavior exists.

banks prohibit cashing in credit cards. Once discovered, the credit card will be unusable. If the cardholder has not cashed in his credit card himself, but has been cashed out by mistake by the issuing bank, then the cardholder can contact the issuing bank to explain the situation, submit a real transaction slip to prove that he has not cashed out, and dispel the bank's concerns, then the bank is likely to agree to lift the restriction.

4. There are trading risks.

many times, cardholders will suddenly empty their credit cards at one time or make transactions in different places. At this time, in order to ensure the safety of the funds in the card, they will also suspend the use of the credit card, and then contact me to verify whether they are spending money on me. After verification, they will resume using credit cards. Of course, in this case, you can also contact the bank customer service yourself, clearly indicating that it is your own card use behavior. Then the bank will resume using the card soon after verification.

what is the reason why the credit card (debit card) can't be used?

if the credit card (debit card) can't be used, it depends on the actual situation. The specific analysis is as follows:

1. Equipment failure: you can restart the equipment, connect to the network, and then swipe the credit card (debit card) to pay.

2. Illegal card use: If the cardholder illegally withdraws cash during the card use, once the bank risk control system is triggered, the card will be reduced and sealed.

3. Off-site consumption: When the credit card (debit card) suddenly appears off-site, the bank usually reduces the credit card or restricts the transaction to protect the cardholder's credit card (debit card).

4. Credit card (debit card) limit: Credit cards (debit cards) have single and single-day limits, and will be limited if they are empty, so they cannot exceed the single-day/single-day consumption limit when spending.

Why can't the credit card be swiped out?

It may be caused by the following reasons: the credit card status is abnormal, such as card blocking, risk control, freezing, etc. The credit card has a credit card limit, which cannot be swiped beyond the limit. The merchants of the transaction are restricted, and users can only swipe their cards at the designated merchants. The card is damaged and cannot be read normally. Therefore, there are many reasons why the credit card can't be swiped out. Users can contact the customer service of the issuing bank directly in case they can't be swiped out, and the customer service will help users solve the problem in time.

1 the credit card is frozen

the banking system will monitor the credit card according to the use of the credit card, and if there is any abnormality in the credit card, the system will freeze the credit card to reduce the loss of the cardholder.

2 There is a risk in the transaction

If the bank detects that there is a risk in the transaction when using the credit card to swipe the card, the bank will not let the credit card complete the transaction to prevent the risk, resulting in the credit card being unable to swipe the card.

3 transaction restrictions

Credit cards have a daily transaction limit. If the number of swipes on the same day is too high and the daily limit of credit cards has been reached, the credit card will not be able to swipe the card when spending again.

4 Chip Damage

Credit cards rely on the chip on the credit card to complete the transaction. If the chip is accidentally damaged by the credit card, the credit card transaction cannot be completed, and the credit card can only be replaced to continue to be used. Personal credit cards are limited to the cardholder's daily consumption. Credit card overdraft funds (including installment payment products) can only be used for consumption purposes in accordance with the law, and may not be used for real estate industry (including but not limited to buying houses and parking spaces), production and operation, investment in stocks, bonds, funds, etc., repayment of loans, credit cards, IOUs, etc., and may not participate in any illegal financing, lending, gambling, etc. Previously, Minsheng, Ping An, CITIC, China Everbright, Agricultural Bank of China and other banks successively issued announcements clarifying the use of credit card funds, clearly pointing out that personal credit card overdrafts should be used in the consumer field and not in non-consumer fields such as production, operation and investment, including house purchase, securities investment, wealth management, other equity investments and other prohibited fields.

This is the end of the introduction about how credit cards can't be used and how people can't use them. Did you find the information you need?