Card activated successfully but cannot be used?

Why the credit card cannot be used after activation

1. No password is set

After the credit card is activated, the query password and transaction password must be set. When swiping a card to make a purchase or using a credit card to cash out, you must enter the correct transaction password. Otherwise, the transaction will not be successful if the password is not set or the wrong password is entered;

2. Transactions involving card swiping beyond the limit

When a credit card is first activated, it is generally not possible to use it beyond the limit, and the limit can be maxed out at most. If you make a transaction that exceeds the available limit, the transaction will fail due to insufficient limit, and the bank will not increase the limit for the newly activated credit card;

3. Make the transaction to a blacklisted merchant< /p>

Every bank will have some blacklisted merchants. If you swipe to a blacklisted merchant, your transactions are likely to be restricted. Even if the card is normal, you will not be able to swipe the card successfully;

4. Credit card is blocked Damage

Sometimes putting a credit card in your pocket can easily cause damage to the credit card. A damaged credit card cannot be used normally, and you need to get a new one and activate it. And it is not due to re-issuance of expired card renewal. After re-issuance, it will be different from the original one.

Why can’t the credit card be used after activation?

1. No password is set: Many people do not choose to use signature when applying for a credit card, so they must set a password after activating the credit card, including Query password and transaction password. For example, when you use a credit card to make a purchase or use a credit card to withdraw cash, you must enter the correct transaction password. Otherwise, if you do not set a password or enter the wrong password, the transaction will not be successful.

2. Transactions that exceed the credit limit: A newly activated credit card generally cannot exceed the limit. At most, it can only wipe out the bank credit limit. Many people think that the credit card can exceed the available limit, but end up making a transaction that exceeds the available limit. The transaction will fail due to insufficient limit. The bank will not increase the limit of the newly activated credit card unless the limit is sufficient, such as depositing money into the card. Then brush again.

3. Blacklisted merchants: Every bank has a blacklisted merchant list, which contains hundreds of thousands or even millions of inferior and fake merchants. Tags are likely to be restricted for transactions. Even if the card has sufficient credit and is in normal status, the card cannot be swiped successfully.

4. The credit card is damaged: Some people put the credit card in their trouser pocket after activation and accidentally break it when bending over. If the credit card is damaged, it cannot be used normally and must be reported as lost. Then apply for a new card and activate it again. If the card is renewed due to expiration, the new card after replacement will be different from the original card.

Types of credit cards

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education and other institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as the basis when using the card. Overdrafts are generally not allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International cards.

An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.

Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.

The credit card (credit card) has been activated, why can’t it be used?

The reason why the credit card (debit card) has been activated and cannot be used may be that there is no credit limit in the credit card (debit card), and the cardholder needs to deposit money before consumption; it may also be that the credit card (debit card) ) After activation, the card status is abnormal and is locked, blocked or frozen by the bank. For specific reasons, the cardholder can contact the customer service of the card-issuing bank for consultation.

There are many ways to activate a credit card (debit card), such as the bank’s official website, mobile banking APP, WeChat official account, customer service phone number, branch counter, etc. Generally, you only need to provide the cardholder’s identity information to activate it. .

Why can’t I use the Agricultural Bank of China credit card after it is activated?

When using a credit card to make purchases, it may be due to the following reasons:

(1) The consumption amount exceeds The available limit of the credit card can be used after repayment.

(2) If the card machine fails or the communication line is busy, you can negotiate with the merchant to use manual authorization to conduct transactions.

(3) The magnetic stripe on the back of the card has been degaussed or damaged. Please go to an Agricultural Bank of China branch to apply for a card replacement.

(4) The bank card status is abnormal and cannot be used normally. You can call the Agricultural Bank of China Credit Card Center hotline 4006695599 to manually check the card status to determine the specific solution.

I activated a Great Wall Global Pass credit card but why can’t I use it?

Credit card transaction failure may be due to the following reasons:

1. Abnormal credit card or account status;

2. Insufficient credit card limit;

3. There are restrictions on credit card transactions overseas or at special merchants.

For specific circumstances, it is recommended that you call the credit card customer service hotline 4006695566 for manual enquiry.

The above content is for your reference, please refer to actual business regulations.

The newly activated credit card cannot be used. Why?

Newly applied for credit cards cannot be swiped. It should be that the credit card has not been activated, that is, it has not entered the enabled state, so it cannot be used. You can activate the mobile phone or telephone number reserved by the bank according to the written activation instructions provided by the bank. After the credit card can be swiped normally, if you want to bind WeChat or Alipay, you must also turn on the online payment function of the card. You can open it yourself online or over the counter. At the counter, you should explicitly request that your mobile phone number be reserved for online payments. After these things are completed, the binding of the credit card to WeChat or Alipay can go through smoothly.

The transaction password has not been set yet. Some banks' credit cards require you to set a credit card password before making a purchase. Customers are advised to check whether a password has been set. If not, set a password first. The credit card's magnetic strip/chip is damaged, resulting in degaussing. Customers are advised to contact the bank as soon as possible to replace the card with a new one that is in good condition. There is a problem with the POS machine that swipes the card, and the customer should be able to consume normally if he replaces it with a POS machine. Banks prohibit credit card transactions such as real estate, wholesale, etc. If the amount spent exceeds the credit card limit, the customer can only pay for the transaction through another payment method. The credit card may not be activated successfully and the account status is abnormal. It is recommended to reactivate it.

When the password is entered incorrectly during a credit card transaction, the customer only needs to enter the correct password. Be careful not to enter the wrong password too many times in a row, otherwise the card is likely to be locked (usually three times). There may be several reasons why the new credit card cannot be swiped: it is not activated, and the credit card must be activated before it can be swiped. The balance is insufficient and the consumption amount is greater than the credit card amount, so it cannot be used. The POS machine network is unstable, you can try it in your store. If you enter the wrong password multiple times, your password will be frozen and you need to go to the bank to unfreeze it.

Most of the newly issued credit cards are not activated. Cardholders need to activate them by themselves. The simplest way to activate is to call the customer service hotline of the bank where the card is issued and be directly transferred to a manual customer service to handle the credit card activation procedure. Or you can directly handle the credit card activation procedure by yourself according to the voice prompts. Once the activation is completed, you can swipe the card for consumption.

Let’s stop here to explain why the credit card cannot be used after activation.