China Merchants Bank Card shows that the bank refuses to trade. What do you mean? How to solve it?

In daily life, many people will encounter the situation that banks refuse to trade when using bank cards. What does this mean? If the cardholder encounters this situation, how to solve it? Take China Merchants Bank Card as an example. Let's take a look at Bian Xiao.

What does it mean that China Merchants Bank Card shows that the bank refuses to trade?

China Merchants Bank Card shows that the bank refuses the transaction, that is, the transaction or operation that the user is not allowed to carry out is directly rejected by the bank. Generally speaking, when a user pays with a bank card, the transaction will be rejected. There are the following situations:

1 Over-the-counter trading limit of the account.

In order to ensure the safety of depositors' funds, banks will set non-counter limits for some accounts. When the cardholder's spending amount exceeds the limit of off-counter transactions in the account, the transaction will be rejected and the cardholder can modify it through mobile banking. Specific steps: open mobile banking-search for "non-counter expenditure limit"-click the "I want to adjust the amount" button.

2. The account has been suspended from OTC trading.

If the cardholder's account is abnormal, there is a certain risk or the trading partner's account is risky, it is easy to cause the cardholder's account to be suspended from OTC trading. Generally, cardholders need to remove restrictions by scanning their ID cards, obtaining verification codes, brushing their faces and verifying withdrawal passwords.

3 insufficient account balance

If the cardholder's account balance is insufficient, and many overdraft transaction requests have been issued, the bank will generally restrict him from continuing the transaction on the same day. Wait for the account balance to be sufficient, and then trade the next day.

The above are some common anomalies of bank cards, so you can pay attention to them.