How to cancel the bank's refusal to trade?

When your bank card is refused to be traded, you must first clarify the reasons for refusing the transaction. Common reasons include the limit of bank cards, credit cards with bad records, expired or lost bank cards, and risks determined by the trading system. Here are some suggested solutions. Come and learn from the novice Xiao Bai.

First, check the use of bank cards.

First, confirm whether the balance in your bank account is enough for this transaction.

Common methods of self-examination

1. Online Banking Inquiry: Log in to your online banking account, and you can visually see your account balance and recent transaction records.

2. Mobile banking inquiry: Now most banks can open mobile banking services, and you can inquire the bank card balance anytime and anywhere through the mobile banking application.

3. SMS inquiry: Some banks provide SMS reminder function, and send specific SMS instructions to designated numbers to inquire the bank card balance.

4. Telephone inquiry: It is also a common way to call the bank's customer service phone and inquire according to the voice prompts.

2. Call the official customer service number of the bank.

Ask the specific reasons for refusing the transaction and act according to the customer service advice.

Third, deal with the problem of bank cards in a targeted manner.

1. If the refusal is due to insufficient balance, you can directly deposit the money into this bank card to resume the transaction.

2. If the current bank card is affected by other bank card arrears or economic disputes, pay off the arrears according to the information provided by the official customer service.

3. If the trading system detects risks, ensure the security of the transaction.

Fourth, the consumption scene

Go to the bank counter: In some cases, you may need to bring your bank card and ID card to the bank counter to handle related business.

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In China, there are many kinds of commercial banks, including:

Large state-owned commercial banks: This is the most famous type of banks in China, including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications.

Joint-stock commercial banks: These banks adopt a modern enterprise organizational structure in the form of joint-stock system. National joint-stock commercial banks include China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank and Ping An Bank, as well as Zheshang Bank, hengfeng bank Bank and Bohai Bank.

City commercial banks: commercial banks that mainly serve specific cities, such as Bank of Beijing and Bank of Shanghai.

Private commercial banks: commercial banks controlled by private capital, such as Huaxing Bank and Shang Hui Bank.

Foreign-funded corporate banks: commercial banks controlled by foreign capital, such as Citibank and HSBC.

Rural commercial banks: small commercial banks mainly serving towns and rural areas.

Policy bank: a non-profit professional financial institution established by our government, such as China Development Bank.