Usually, the display of invalid credit card means that the credit card in the cardholder's hand cannot be used normally. There are many reasons for the invalidation of a credit card, among which the credit card is not activated, the magnetic stripe of the credit card is worn, and the status of the card or account is abnormal. If you are not careful, the credit card will have a service life. If the service life is exceeded, the credit card will also show invalid status.
Credit card application
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
After accepting a credit card, a credit card merchant or bank shall review the validity of the credit card and the identity of the cardholder.
Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.
Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.
What happened when the credit card suddenly stopped working?
First, many irregularities (such as cashing out) occurred during the use of credit cards, which triggered the bank's risk control system.
Second, consumption in different places. When spending in different places, the banking system will judge that the cardholder is trading in an unfamiliar trading environment, temporarily stop using the cardholder's credit card and use it after replying to the SMS.
3. The credit card is overdue or other loans overdue under the cardholder's name. After the credit card expires, the credit card will freeze the cardholder's credit card. If the cardholder has another loans overdue, it will trigger the bank's risk control system.
Fourth, the credit card has reached the limit. Cardholders can modify the transaction limit through mobile banking and online banking, and they can use it after modification.
5. Transaction equipment failure. After restarting the device and reconnecting to the network, try swiping the card or swiping it again.
6. Credit card failure. Credit card degaussing or track damage or chip failure. In this case, you need to bring your ID card and credit card and go to the bank to change your credit card. If it is not the above reasons, the cardholder can contact the bank customer service to inquire about the specific reasons why the credit card cannot be used. According to the Law of the People's Republic of China on the People's Bank of China, the Law of People's Republic of China (PRC) Commercial Bank and the Provisional Regulations on Cash Management, the People's Bank of China prohibits cardholders from illegally cashing in by using new settlement tools such as credit cards, bank cards and payment cards.
Content overview
1. Credit card Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and will make repayment on the checkout date. Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
2. Credit card is a special carrier card issued by commercial banks to individuals and units for shopping, consumption and cash withdrawal from banks. It is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
3. A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount), and it is used by international credit card organizations such as VISA and MASTER.
Why is my China Bank credit card deactivated?
Our credit card may be stopped for the following reasons:
(1) When checking the transaction with you by telephone, our staff refused to acknowledge the transaction/refused to cooperate with the verification/the contact information was invalid/the card was not for personal use, etc. , the staff will stop paying the card;
(2) Overdue repayment occurs;
(3) The local branch stops paying the card after comprehensive evaluation;
(4) When the transaction is refused, the customer actively calls the customer service hotline to apply for stopping payment.
The above contents are for your reference. Please refer to the actual business regulations.
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