What happened when Alipay failed to bind a credit card? Why can't I pay?

Many people now use third-party payment platforms to pay, such as Alipay, which can be paid through Alipay balance, Yu'E Bao, and bank card quick payment. You can bind your credit card to Alipay to pay. However, sometimes there may be problems with binding failure or payment failure. So, what happened when Alipay failed to bind a credit card? Why can't I pay?

What happened when Alipay failed to bind a credit card?

1. Credit card exceptions

If the credit card you want to bind is abnormal, such as being frozen or subject to risk control or card blocking, it cannot be bound to Alipay.

2. Not the same account

If you want Alipay to be bound to a credit card, the Alipay account and the credit card must be the same person. If your real-name authenticated Alipay account and the credit card to be bound are If the accounts are not from the same person, they cannot be bound.

Why can’t I pay with a credit card bound to Alipay?

1. Exceeding the payment limit

One thing to note when paying with Alipay is that Alipay has a limit, and different banks have different payment limits for bank cards bound to Alipay. . If you bind a credit card to Alipay and are unable to pay, it may be that you have exceeded the payment limit.

2. Credit card abnormalities

If your credit card has abnormal conditions after binding Alipay, such as being risk controlled, frozen, or the limit is used up, it is also the case. Payment cannot be made.

3. Credit card payment is not supported

If the merchant you purchase from does not support credit card payment, it may also cause you to be unable to pay with a credit card bound to Alipay.

4. The credit card has not been opened for online banking

If the credit card you have bound has not yet opened personal online banking, it may also prevent you from paying when you use Alipay to bind the credit card to pay.

The above is the answer to "What happened when Alipay failed to bind a credit card? Why can't I pay?" If Alipay fails to bind a credit card, it may be due to card processing problems, or the two are not the same account. And if you can't pay after binding, it may be caused by the card or not supporting credit card payment.

Why can’t my ICBC credit card be bound to WeChat?

The inability to bind may be due to a variety of reasons. It is recommended that you call the customer service hotline 95588 or bring your valid ID and card through an ICBC outlet for details. Query confirmation.

At the same time, you are reminded that to activate the fast payment service, you need to use a mobile phone number reserved at the counter. If the mobile phone number is not reserved at the counter, you can bring your valid ID, bank card or Go to any ICBC outlet with your passbook or mobile phone.

(Answer time: March 4, 2021. In case of business changes, please refer to the actual situation.)

What should I do if the CITIC Bank credit card Applepay binding fails?

The failure to bind the credit card with CITIC Bank credit card Applepay may be caused by the following reasons. It is recommended to try the operation after confirmation:

1. The device supports binding (IPhone6 ??or above model) ; IPadPro, IPadAir2, IPadmini3 or above models; AppleWatch can be used with IPhone5 or above mobile phones).

2. The system version meets the requirements (the Iphone and Ipad system versions are iOS9.2 or higher, and the Watch system version is WatchOS2.1 or higher.

3. Apple The device settings are OK (set the "Country and Region" to China in "Settings"--General--Language and Region, the fingerprint or lock screen password has been set and enabled; the iCloud account has been logged in; the Watch is worn and unlocked).

4. The physical credit card used supports binding (the main card with the UnionPay logo, such as Visa All-Currency Card and American Express Platinum Card, does not support binding. All supplementary cards, blue cards, and business cards do not support binding. and virtual cards do not support binding).

5. Credit cards can be used normally (cards that cannot be used such as reported lost or canceled cannot be bound).

1. Definition:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

2. Classification:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can use it within the credit limit. A credit card that is repaid after consumption; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

3. Other information:

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. The original upper limit is 5/10,000 of the daily interest rate, and the lower limit is 0.7 times the daily interest rate of 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , electronic payment cards with full or partial functions such as cash deposit and withdrawal_On December 1, 2017, the "English Translation Standards for Public Service Fields" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Why does Alipay fail to bind a credit card?

1. Alipay and the credit card are not the same user. Alipay with real-name authentication can only bind the credit card of the same person, otherwise the binding will fail. .

2. The Alipay account is abnormal and the Alipay account is frozen or at risk.

3. The credit card is abnormal and the credit card is frozen by the bank or subject to risk control or card blocking.

Why can’t Alipay bind a credit card?

It may be that Alipay does not support the bank’s credit card binding, or the mobile phone number reserved in the bank is wrong or has not been activated. The online payment function will not be able to bind the card in these cases.

Why can’t the binding of my China Construction Bank credit card (debit card) be completed?

If the card status is abnormal when you bind it, the credit card (credit card) binding will fail. You can choose a commonly used credit card (credit card) with a normal card status for binding

This is the end of the introduction to why credit cards cannot be bound.