What is the situation that the bank refuses to trade in the bank card?

1. Bank card balance is insufficient. When the debit card balance and the credit card amount are insufficient, the bank card will refuse the transaction.

2. The bank card is invalid. This situation is generally a chip problem. You must ask at the counter.

3. This will also happen to some cards that are frozen due to the status of the card.

4. The maximum card limit of the day has been reached.

5. Bad credit card transaction records and limited transactions.

6. The 3D verification code was not filled in during the payment process, and the transaction was judged as unauthorized by the system, and the transaction was rejected.

7. Consumers pay for the same IP many times in a short period of time, and the bank determines that there are other illegal acts such as cashing, money laundering and fraud, and the system refuses to trade.

Bank card refers to a credit payment tool issued to the society with the approval of commercial banks (including postal financial institutions), which has all or part of the functions of consumer credit, transfer settlement and cash deposit and withdrawal. Cash and checks have broken through the limitations of time and space and have undergone fundamental changes. The application of bank card automatic settlement system has realized the dream of "no cheque, no cash society".

The 20-year development of China's bank card industry can be roughly divided into four stages:

1. From 1985 to 1990, it is the primary stage.

2. From the early 1990s to the beginning of 1996, the bank card business of large and medium-sized city branches developed independently. At this stage, the Gold Card Project started.

3. The period from1997 to the end of 2006.5438+0 is the stage of gradual networking and extensive use of bank cards in China.

4.200 1 Up to now, it is the stage of in-depth development of bank card networking in China, and the number of bank cards issued by banking institutions nationwide has increased rapidly.

Precautions for credit card use:

1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;

2. In order to prevent counterfeit ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under bank video surveillance;

It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will;

4. When spending by credit card, don't let the bank card leave sight, pay attention to the number of times the cashier swipes the card, and check whether the amount on the shopping list and the card is correct. When you get the shopping list and cards, your own cards;

5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;

6. If you suspect that the funds have been stolen, call the bank customer service immediately and report the loss of the bank card account in time.

7. Bank cards should not be placed with strong magnetic field appliances such as mobile phones, televisions, stereos and microwave ovens. It's better to put them far away. Don't put multiple bank cards and passbooks together.

8. Cards should be separated by paper as much as possible.

9. You can use a special bank card sleeve or an anti-magnetic card sleeve.