How is it that the credit card transaction is unsuccessful but the money is deducted?

This is normal, but it doesn't happen often. This usually happens because the network signal is not good. Generally, when the pos machine swipes the card, that is, after swiping the card, it will send a signal to the issuing bank to make a consumption. However, when the pos machine received the payment from the issuing bank, it didn't receive the signal from the issuing bank, that is, it didn't print out the receipt, and at the same time, the SMS of the other bank card reminded it to deduct the money. In fact, this transaction of pos machine is a failure.

In this transaction, the bank froze this part of the money because the banking system did not know whether the transaction was successful or not; When the bank conducts liquidation, the system will return the money to the bank card of the transaction by default. It takes about two days, but it's best to promise the customer a week.

If you want to check whether the transaction is successful, you can call pos merchants and card issuers to confirm the real situation. Or call UnionPay customer service to inquire. As long as UnionPay confirms the success of the transaction, the deduction will be successful. If the transaction is really unsuccessful, just wait for the money to come back.

Extended data

Credit card use problem

security issue

1, due to the convenience and rapidity of using credit cards and the rapid development of science and technology, credit cards face security problems due to the mechanism of spending first and then paying.

2. The problem is getting more and more serious, and major international credit card groups and global card-issuing financial institutions are facing severe challenges. The security problems of credit cards are mainly divided into the following five aspects:

3. Credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc. ) pretending to be a real card, directly deceiving merchants or card issuers.

4. Cardholder: improper storage/handling of cards (expired/invalid credit cards are not destroyed, or they are not immediately invalidated after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

5. Consumer merchants: the service personnel swindle the cardholder during the consumption process, or steal his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

6. Issuer: The computer system is maliciously invaded, stealing the basic/transaction information of customers. There are also some unscrupulous cases in which employees in the organization are in the house, stealing from themselves or working in the house.

7. Trading system and mechanism: As long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.

Repayment method

1, within the issuing bank

This method includes: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-silver POS mobile phone

Weizhong Bank POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer of credit cards. Arrive immediately!

3. Transfer/remittance repayment

Mainly divided into two ways: inter-bank in the same city and inter-bank in different places. Whether it is transfer or remittance, the remittance bank will charge a certain fee, and the payment time and repayment convenience are not as good as those of peers, online repayment and convenience stores.

4. Online repayment

Common domestic network platforms are: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay and so on. Choose different platforms and banks, and the charging standards and specific arrival time are different.

References:

Baidu encyclopedia-credit card