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Why was the bank card declined by the bank?

The rejection of the transaction by China Construction Bank Card refers to the situation where China Construction Bank prohibits the cardholder from making transactions. The specific reasons are as follows.

1. If the bank card has not had any transactions for half a year and non-counter transactions have been suspended, in this case, you can bring your bank card and ID card to any CCB branch to request that the suspension of non-counter transactions be lifted.

2. Because the bank card has bad transaction records or the personal information is not updated in time, after the user's personal information is updated, the bank card processing staff needs to be informed. For example, if your credit card has expired (the validity period of a credit card is generally 3 years or 5 years) or your bank card has been reported lost and has not been released yet, and you accidentally forgot it, the above payment failure will occur.

3. The consumer paid multiple times in a short period of time, which is suspected of cashing out, money laundering, fraud and other illegal behaviors. The system refuses to deduct money, which requires you to provide reliable proof of the user's bank card funds in and out. Or if the IP paid by the consumer comes from an area classified as high-risk by international credit card organizations, the system will rate the transaction as a high-risk transaction and refuse to deduct the money.

4. There are transaction limits. The daily limit has a certain amount requirement. Transactions exceeding this limit are not allowed.

5 The card status is incorrect. The card is invalid or cannot be used during the freezing period. Contact the bank to inquire about the card status.

6. Insufficient available balance (for example, pre-authorized services, etc.). In this case, there is not enough money in the card. At present, banks have limits on the amount of payment through third-party channels, which are generally three levels: 50,000 yuan/100,000 yuan/200,000 yuan. To increase the payment limit, you need to apply separately, so the greatest possibility of this fund is to pay If the limit is exceeded, the bank refuses the transaction.

7. Another example is that the payment password is locked due to too many incorrect passwords (but this usually shows that the password is incorrect), there is an error in the bank's system, or your account is frozen by the court, etc. You can contact relevant customer service for resolution.

The above situations are the most common situations where banks refuse to pay. If you do not have any of the above situations, you can call the bank customer service to learn about the specific situation and solve it.