What does it mean that bank cards refuse counter transactions?

The over-the-counter transaction of bank card refers to the transaction that is not handled at the counter, usually refers to the business handled online. Including but not limited to mobile banking, online banking, POS business, ATM business and other related businesses.

Face-to-face communication without employees is an OTC transaction. I hope this answer can help you.

Bank card shows that non-counter transaction means that the card cannot be traded in online banking, mobile banking or self-service banking, but only at the counter.

Generally speaking, the reason why banks display OTC transactions may be that the reserved information of users in the bank has expired, or the bank card has not been used for more than half a year and has been turned into a dormant account by the bank. At this point, the cardholder only needs to go through the cancellation procedures at the counter.

Reasons for bank card suspension of counter transactions:

It is possible that the cardholder has no transaction within six months after handling the bank card; There are also some bank cards that violate the rules; ID card expired and did not go to the bank to update information in time; The above three situations may lead to the suspension of counter transactions of bank cards.

What should I do if the bank card suspends counter trading? How to avoid it?

First, find out the reason for the pause. First of all, when the bank card suspends counter trading, you should find out the reason and see if you haven't used your bank card for six months. If so, you can go to the business hall to handle it.

If not, it depends on whether you have violated the rules. You have to go to the bank to explain and then apply.

There is also the ID card is not updated in time, and some expired ID cards are not updated in time, and the system will also suspend counter transactions.

Second, deal with it according to different reasons. Find out the reason and deal with it accordingly. If your transactions are not frequent and illegal, you must first bring your own documents to check.

According to the operation of the counter staff, the transaction of resuming the use of bank cards is carried out. If the certificate expires, you need to change it at your place of residence, and you can use it normally by updating the information in the bank with the new certificate.

The bank's restrictions on counter transactions mean that the business of bank cards is restricted, so I need to take my ID card to the counter to lift the restrictions. If bank users have the following four behaviors, the probability of being restricted by the banking system is very high:

1. The mobile phone number reserved by the bank card is not for my own use.

Two, the customer's account detection for the public security organs to investigate the accounts involved.

There is no transaction in the bank card for half a year.

4. The basic information I reserved in the bank is incomplete.