1. The credit card has not been activated. Some people apply for the first card and need to go to the offline branch of the bank to activate it before they can use it. It's not enough just to receive the card.

2. I entered the wrong password for many times, and I need to go to the bank to thaw it, so I can't use it for the time being.

3. The network of 3.pos machine is unstable, which makes the credit card unusable. Users can try another store. After being accused by the bank, it is assessed as malicious cash, and so on. If this behavior is made just after the card is issued, it will be more difficult to cancel the risk control or apply for withdrawal.

4. The credit card balance is insufficient. If the user pays by credit card, the available amount in the credit card is lower than the amount to be paid, so it can't be swiped.

Some banks need to open a credit card password to use the card, and users can check whether their credit card has been opened.