Restricted credit card swiping means that the use of the credit card is restricted during transactions. Usually when the card is risk controlled, frozen, blocked, reported as lost, etc., a message indicating that the transaction is restricted will appear. When users encounter a prompt that transactions are restricted when using a credit card, they should directly call the customer service hotline of the card-issuing bank and have manual customer service check the status of the card. If the card is restricted due to transaction risks, the restriction may be lifted by changing the POS machine and swiping the card. As for card swiping restrictions caused by other reasons, it will take a certain amount of time to resolve.

1. What causes the credit card to be restricted?

1. The card status is abnormal, such as the card being degaussed or the password being entered incorrectly too many times and being locked. In this case, it is recommended to call the bank. Service hotline to confirm; 2. There is no problem with the card, but the signal of the POS machine is not good, and the transaction will fail if it is not connected to the network;

3. If you hold an IC chip credit card, because UnionPay has closed the downgrade transaction function, If the cashier still operates the transaction by swiping the card instead of inserting the card, it will also be unusable;

4. The card does not support transactions, such as visa single-logo card/jcb single-logo card, yes UnionPay transactions are not supported, and some online transactions are not supported.

2. How to solve the problem of credit card restrictions?

If a credit card is restricted from spending, it means that the credit card is temporarily in a payment stop state, and no transactions can be made for a long time. Generally speaking, there will be different solutions depending on the reasons why the credit card is restricted from spending. The specific situation is as follows:

1. The credit card is overdue. It is recommended that you call the card issuing bank and ask the customer service to see if there is any unpaid debt. If you want to pay it off immediately, communicate with the customer service as much as possible after the payment, explain that you are not maliciously overdue, and see if you can get the customer service to lift the consumption limit. If If the overdue period is not serious, there is still a chance for it to be lifted.

2. The account is high risk. The bank system will monitor the cardholder's account transactions at any time. If a certain transaction is found to have possible risks, such as swiping the card for consumption at the bank's blacklisted merchant POS machine, or sudden overseas transactions without registration, etc., the bank's risk control system will be triggered. If your credit card consumption may be restricted, you generally need to provide consumption vouchers to prove that the card is used in a standard manner.

3. Exceeding the set limit. In order to protect the safety of credit card funds, many cardholders will manually set a credit card transaction limit, such as daily transaction limit and monthly transaction limit. As long as the consumption limit exceeds the set limit, consumption will be restricted, then the limit can be manually set higher. You can continue to consume, and then change it back after consumption.