What are the reasons for the abnormal or restricted status of bank card accounts and what should I do?

When returning goods, the merchant cannot return them to the cardholder in cash. When the consumption transaction fails to return successfully, it should be confirmed that the transaction is unsuccessful (as long as the POS document cannot be printed successfully during the consumption process, the transaction is regarded as unsuccessful). You can check the card status and account balance of the issuing bank to confirm whether the card status is normal or not, and whether the amount of unsuccessful consumption is recorded. If the card status is abnormal, the reason should be inquired; If the consumption amount has been recorded, please ask the issuing bank to assist in the inquiry in time and transfer the unsuccessful consumption amount back. What should I do when I change my card or stop it? When you ask us to change your old card because the magnetic stripe is damaged or the card is expired, we will issue you a new bank card. After receiving the new card, check whether the card number of the new card is the same as that of the old card. If it is a new card issued after the expiration of the old card, you should also pay attention to the service life of the old card. You should cut off the old card after it expires, and then use the new card. If the new card is lost or stolen, the card number will be completely different from the old card. Please complete the card opening procedure after receiving the new card. There may be a certain handling fee for issuing new cards. If you apply to stop the card voluntarily, please call us before cutting the card and sending it back to make sure that the card is no longer used. We will freeze your account to avoid the risk in the process of card withdrawal. In addition, it should be noted that if your card expires and cannot be used, the creditor-debtor relationship of your account will remain unchanged. If your credit card is overdrawn, you still need to pay attention to the repayment period and amount. In case of network interruption and error handling, the common problems caused by factors such as network operation, stability of communication system, service personnel's familiarity with business, and cardholder's own improper operation are as follows: First, network interruption makes it impossible to use the card normally. If it is a credit card, it can be handled by manual authorization. If it is a debit card, it is generally necessary to wait until the network or system is normal before handling business. After problems occur, banks will generally study and eliminate them in time, and customers need to wait patiently. Second, the transaction failed in the middle, resulting in a card account error. When this happens, there is no need to panic. At present, all banks have established corresponding error handling mechanisms, and will adjust relevant accounts for you as soon as possible to ensure the safety of customers' funds. If the cardholder has any questions about the account transaction, he should contact the issuing bank in time and ask him to inquire about the transaction. During the inquiry, he should keep the telephone number or other contact information with the issuing bank. For transactions that require account adjustment for wrong transactions, the issuing bank shall be required to specify the account adjustment time. For the time limit of error handling, please refer to the Interim Measures for Error Handling of Bank Card Interbank Business. There is no need to worry about losing your credit card. There are many ways to report the loss. Once the card is lost, it should be reported as soon as possible. Loss reporting is generally divided into temporary loss reporting and formal loss reporting. Temporary loss reporting refers to telephone loss reporting (calling the service phone of the issuing bank to report the loss) and oral loss reporting. We only help to prevent temporary loss reporting, and do not bear any losses. Temporary loss reporting will be automatically lifted after the specified time. Formal loss reporting refers to written loss reporting. Cardholders can go to the issuing bank (or designated outlets) in person or entrust others to report the loss on their behalf. When entrusting others to handle it, the cardholder's power of attorney and relevant certificates shall be attached. After the formal loss reporting, we should pay attention to the effective time of loss reporting and the change of funds in the account. If suspicious transactions are found, the issuing bank should be asked to assist in the inquiry in time, or the public security department should be asked to file an investigation. If the card is not found lost at the location of the issuing bank, it should be reported to the designated outlets in time, and the issuing bank can also provide corresponding emergency withdrawal service according to your requirements. If you report the loss of your credit card before it is fraudulently used, you are not responsible for any unauthorized expenses. What if the card suddenly fails to be swiped? In this case, don't worry, because there are various reasons for refusing to swipe your card: if the merchant is not a credit card merchant or the credit card acceptable to the merchant does not include your credit card brand, you only need to swipe your card with a card acceptable to the merchant or pay in cash; If the magnetic stripe of your card is damaged, the machine can't read it, or the authorization line is abnormal, please contact the authorization service center of the bank where the POS machine belongs by phone to obtain the authorization password; You may have outstanding debts or have exceeded your credit limit, or the validity period of the card has expired, or the card has been reported lost/stopped, and the POS machine cannot accept your credit card. Please pay in cash. When the merchant does not allow you to spend by credit card, you can ask the merchant to explain the reason. If you think the handling method is not appropriate, you can negotiate with the merchant. If communication is not possible, please inform the customer service telephone of the issuing bank of the merchant's name, address, telephone number, consumption time and amount for further coordination. What should I do if I buy defective products? Of course, shopping with a credit card is a very happy thing, but don't be angry when you find that the goods you buy are not satisfied or have quality problems. If you take appropriate measures, these problems will be solved satisfactorily soon. So, what is the correct way to deal with it? First of all, you need to communicate with the merchants and ask them to replace new products or repair them for free. If you want to return the goods, you need to ask the merchant to get back the original purchase order you signed. If the purchase order has been settled by the bank (that is, the money has been credited to the merchant's financial account), you must find the merchant to make a return transaction to flush out the original account, and remember to ask the merchant for the return form as a voucher. What should I do if I am asked to charge a handling fee for swiping my card? When the store signed a contract to become a special merchant of the issuing bank, it promised to accept the card without charging the cardholder a handling fee. If you are asked to charge a handling fee for credit card consumption, you have the right to refuse, and you can report it to your card-issuing bank or company immediately. According to the credit card organization, you have the right to complain to the merchant about this handling fee through the issuing bank or company. However, in this case, you must remember to ask the merchant for the receipt or proof of the handling fee, such as the invoice, and keep it properly so that it can be used as evidence of the complaint in the future. The transaction has been terminated. What should I do if I continue to deduct money? Have you ever handled bank card automatic payment business (such as automatic payment of telephone charges, water and electricity charges, etc.)? ) or subscribe to a publication through the computer network, and then you don't want to subscribe to this service or use it again, and you have notified the corresponding merchants or banks to terminate the transaction, but you are still charged? In this case, you should contact the merchant or bank as soon as possible and ask the reason. If you handle the bank card automatic payment business through the bank, you only need to call the customer service department of the issuing bank or the bank card center to explain the situation, and if necessary, show the written basis for your termination of the payment business at that time, and the bank will solve it quickly after accepting it. If the mail order business is handled through the computer network, you need to get in touch with the online business, notify the business to stop deducting money, and ask it to issue a written certificate. If the merchant is still unmoved, you can take further action, that is, notify your issuing bank to stop paying. Usually at this time, the bank will ask you to write a statement explaining when the deduction transaction has not been authorized by you (or other relevant information, please ask the issuing bank for details). At this time, the issuing bank will ask the merchants for this part of the money on your behalf. Your signature represents your rights, obligations and corresponding legal responsibilities. Never covet small profits and cause illegal disputes. What should I do if the actual amount of money popped up at ATM is inconsistent with the amount deducted? Due to communication failure, machine failure and other reasons, the actual amount popped up by ATM may be inconsistent with the amount deducted by the cardholder. In this case, you should keep the original documents and make a refusal request to the acquiring bank or the issuing bank in time. What if the amount "evaporates"? If your credit card transaction on POS or ATM is unsuccessful, but the account balance decreases. You should contact your issuing bank immediately. The issuing bank will read the original documents or verify them by other means as appropriate. As long as the situation is true, you will be refunded soon. In this process, you should cooperate with the issuing bank to investigate and provide the necessary information. For example, the transaction slip asks: What if I say that the card status is abnormal when I withdraw money? Answer: Please carefully check the password of the password card when conducting B2C payment transactions. If the password card of personal online banking is entered three times in a row in the same day, the external payment function will be temporarily frozen. Please try again the next day. If you are in a hurry to use it, please bring your valid ID card and online banking registration card (or registered account) to the outlets that provide personal online banking services to unfreeze the online banking payment function for free, and the payment function will take effect immediately. Personal online banking password card has been incorrectly entered for 10 times in a row, and the external payment function will be officially frozen. Please go to the counter to unfreeze the online banking payment function and restore the normal use rights. For password card customers, the parameter controls of "the limit of the number of empty swipes of dynamic password cards on the same day" and "the limit of the number of empty swipes of dynamic password cards in history" have been added. The specific parameter values are 5 times and 10 times respectively. When the coordinate value of the challenge is obtained and the correct value is entered, the number of times of obtaining the challenge will be set to 0; When no coordinate values are input, the number of times of obtaining challenges increases by1; When the wrong coordinate values are entered, the number of collection challenges remains the same. When the number of times to obtain the challenge coordinates reaches the limit of the number of times that the dynamic password card is emptied on that day, the password card will be temporarily locked and no transaction can be made on that day. If you still need to conduct password card transactions on the same day, you need to bring your valid certificate, electronic password card and any of my online banking registration cards (or registered accounts) to the counter of the "Certificate Agency" outlet to settle the number of times when the password card is emptied. When the number of times to obtain the challenge coordinates reaches the limit of the number of times when the dynamic password card is empty, the password card will be permanently locked and no password card transactions can be made. You need to bring your valid certificate, electronic password card and any online banking registration card (or registered account) to the counter of the "certificate agent" outlet to empty the password card. Please consult the local 95588 for the information of business outlets.