What does it mean that the credit card does not approve the transaction?

The credit card does not approve the transaction, which means that the user illegally uses the credit card, the trading environment is risky, and the POS machine is blacklisted. So that the transaction was not approved when swiping the card. At this time, users can try to change a POS or change a merchant for credit card consumption. If the consumption is still unsuccessful, it may be that the credit card is subject to bank risk control.

The successful replacement of POS machine or merchant's credit card shows that the transaction restriction is only for the previous one, and there is no problem in this transaction.

Will the credit card be charged if it is not used for a long time?

1. Deduct the annual fee. Credit cards have an annual fee, but some cards can enjoy the annual fee discount, and some cards charge. For example, ordinary credit cards, such as Puka Gold Card, are non-annual fees if they are not activated, and even if they have annual fees, they can be reduced by the number of swipes. Therefore, if this idle credit card is not activated, you don't have to worry about the cost. If it is activated, it depends on whether you have brushed enough times of annual fee exemption before being idle. Deduct the money directly without paying enough annual bank settlement fee.

But the annual fee card is different. The annual fee card will generally be deducted if it is verified successfully. The benefits of this credit card are still overvalued. As long as you use the card, you still have a chance to earn it back. However, if you don't use it for a long time, it will cost millions or even tens of thousands. If you don't repay it in time, it will easily affect your personal credit.

Second, security risks. Many credit cards are flash cards. By default, small secret-free service is enabled. If someone finds it, it may be stolen, causing property losses and being difficult to recover.

Third, the card is stopped. It is understood that credit cards that have not been traded for more than 180 days will be controlled by some banks, and it will be more troublesome to find that they cannot be used when they want to swipe.

Is there a charge if the credit card is not activated?

1. In general, except for some special cards, such as ordinary credit cards, such as general cards and gold cards, although the annual fee will be involved, it is not a rigid fee. If it is not activated, it will not be deducted. Of course, even if it is activated, the annual fee can be reduced by the number of swipes.

Second, many high-end platinum cards are rigid annual fees, which are directly deducted from the day of verification, and the cards are made of special technology, so the card making fee will be deducted, even if your credit card is not activated.

This requires everyone to know the deduction of the credit card to be processed before handling the card. If you don't know, the best way is to call the bank customer service and ask the customer service to avoid unnecessary economic losses.

By the way, some credit cards will not be charged if they are not activated, but they will not be automatically cancelled, which will have certain potential risks, such as being reflected in the credit report. If they are lost, they are easy to be stolen. For details, please refer to "What will happen if the credit card is not activated?" Be alert to these three risks! 》。

Therefore, I suggest that you apply for cards according to your actual needs, and don't blindly follow the trend and cancel unused credit cards.