1. The credit card chip is damaged or demagnetized;
2. The customer has just got a new card and has not activated the card opening;
3. The credit card has expired and has expired;
4. Use single-logo foreign currency cards issued by foreign card organizations in the UnionPay channel (such cards cannot be used on domestic POS machines with UnionPay logo);
5. The account is locked and unstable to use;
6. number six. The POS machine is broken and can't receive the signal;
7. The consumer's environmental signal is not good, or the connected network is not smooth.
If only the card is not activated, the customer can use it after activating the card. If there is something wrong with the card, the customer can only use another payment method first, and then try again to see if the card can return to normal. For example, if the card is damaged or expired, he can go to the bank to get a new card. If there is a problem with the POS machine or the merchant, then the customer can trade with the POS machine or spend with other merchants, and the card itself is fine.
Extended data
What should I do if the credit card holder fails to authenticate?
First: APP card opening authentication failed. If this is the case, you should not re-authenticate. First call the bank customer service to choose manual service, explain the problem to the manual customer service, and they will find out the problem and solve it for you in detail.
Second, the machine failed to display authentication during the process of swiping the card. In this respect, you need to consider whether your card is abnormal, whether the new card is not activated, whether the consumption right has not been opened or whether the old card has expired. The failure of cardholder authentication should be a problem when swiping the card. At this time, we can look at these aspects:
1. This is the error code returned by UnionPay. Generally, you can only change your card.
2. The status of check card, whether the magnetic stripe card is degaussed frequently with the metal mobile phone, whether it is an inactive card (in this case, a credit card), whether it is locked due to too many wrong passwords entered on other machines that day, and finally whether the card is expired (in this case, a credit card). Finally, you need to call the bank customer service to confirm.
Credit card holder authentication failed. Why?
It should be a problem that the cardholder fails to authenticate when swiping the card. At this time, we can look at these aspects:
1. This is the error code returned by UnionPay. Generally, you can only change your card.
2. Check the status of the card, whether the magnetic stripe card is often put together with the metal mobile phone to cause degaussing, and whether it is an inactive card (here refers to the credit card).
Whether the card is locked because too many wrong passwords were entered on other machines that day depends on whether the card has expired (here is a credit card) or whether it needs to be confirmed by bank customer service.
3. Check the credit card machine. Traditional machines are also connected through mobile networks. If it is in a place with poor signal, it will fail if it cannot receive the returned data.
4. Check whether the card is a single currency overseas card. Some cards issued by banks have no UnionPay logo, only VISA or mastercard logo, and such cards cannot be used on domestic machines.
If there are none of the above four situations, it is recommended to change the machine and swipe the card. If not, apply for a new card.
The main features of credit cards:
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and social needs.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
Credit card holder authentication failed.
Cardholder authentication failure refers to cardholder authentication failure when swiping a card. Generally, this situation will lead to the inability to complete the payment by swiping the card.
Authentication failure can be caused by two reasons. On the one hand, it is the reason for brushing the POS machine, which needs to be replaced. On the other hand, the status of the bank card itself is also abnormal, such as degaussing the card, not activating the card, too many password input errors and so on.
First, the problem of pos machines Now more and more pos machines need credit card authentication when you swipe your card, so if you swipe your card without authentication, you will be prompted that the authentication failed, and you need authentication before you can use it. Many businesses don't understand what this problem is. In fact, it is to submit a credit certificate to make it safer when you swipe your card.
Why do you prompt the cardholder that the authentication failed?
1, which is caused by the merchant's failure to submit authentication in the background.
2. You will also be prompted for the authentication process.
Second, the problem of our own card, now everyone has more than one credit card, so many times our own card has expired or been useless for too long, which leads to abnormal status, but did we find it in time, which led to the failure of authentication when we swiped the card, and so on.
In addition, the validity period of our certificate is invalid, which leads to the abnormal status of the card. If you encounter this problem, contact the customer service of Volkswagen Card in time. Just follow the operation and continue to use it.
When CCB swipes the credit card, it shows that the cardholder's authentication failed. What happened?
This is usually a network connection problem for credit card readers. I suggest you change the machine or try again later. In addition, you can also call the customer service phone of CCB to check whether your card status is normal, but even if the card status is abnormal, it should not be a prompt message, so most of the display content appears because of the machine networking problem at the merchant side.
CCB's credit card swipe shows that the cardholder's authentication failure may also be due to the following reasons:
1. It may be due to the abnormal situation of the merchant's pos machine. It is recommended to try it in other stores to see if it can be used normally;
2. Maybe the information status of the credit card is abnormal. If the card you are using is a new card, failure to activate it will lead to authentication failure; If it is an old card, it may be that the card has been degaussed and the card information cannot be obtained, which leads to the failure of authentication. There is a customer service hotline of CCB Credit Card at the back of the card. You can call to check whether your CCB Credit Card is in an abnormal state, which leads to the failure of credit card holder's identity verification and unpredictable transaction.
3. If the password is wrong when entering the credit card, you can try to re-enter the password to see if it can be used;
4.App card opening authentication failed. This situation is generally rare, because you can't open an account when you open a card. If you really encounter this situation, you can call the bank customer service directly, and the other party will find you the specific reason for the failure of authentication.
Under what circumstances the cardholder fails to authenticate;
When handling a card, in order to ensure the security and privacy of the cardholder, when handling withdrawal or other business, it is necessary to carry out necessary identity authentication to ensure the security of the business and personal information. Investing in precious metals, energy, indexes, securities and futures in various popular currencies around the world, it is impossible to identify bank cards for consumption or other businesses, and DooPrime Deli Capital will not be able to verify the identity of cardholders.
Cardholder introduction:
The cardholder is the person who uses the certificate when handling the card, which is simply the bank card issuer.
Introduction of CCB Credit Card:
CCB Credit Card is a credit card issued by China Construction Bank. At present, all the credit cards issued by China Construction Bank are named "Dragon Card", and the types are: Dragon Card, Dragon Card Business Card and Dragon Card Automobile Card.
So much for the introduction of why credit card authentication failed.