What is the reason why the display of Hubei Rural Commercial Bank cards is restricted?

There are many reasons why the display of bank cards is restricted, which generally fall into the following categories:

First, the card status is abnormal, such as the card is degaussed, the password is entered incorrectly too many times and is locked, etc.

Second, if there is no problem with the card but there is a problem with the teller machine, the transaction will be restricted if the card is not connected to the network.

Third, if you hold an IC chip credit card, this phenomenon occurs because UnionPay has closed the downgrade transaction function.

Fourth, bank cards do not support transactions. For example, VISA single-logo cards/JCB single-logo cards do not support UnionPay transactions, nor do they support some online transactions. Fifth, if a credit card holder makes several large-amount integer transactions on the same POS machine, the bank will think that you are cashing out, and cashing out is strictly prohibited by the bank, so it will restrict your credit card transactions, which is serious. The person will also freeze the credit card. Sixth, the credit card transaction amount in a single day exceeds the limit. Seventh, usually all transactions using credit cards are in China. If a large overseas consumption transaction suddenly occurs, the bank will consider your credit card to be risky and limit or reject the credit card transactions. Generally speaking, the cards that are restricted by users are There will be problems with transfers, cash withdrawals, and payments. Bank card restrictions are mainly due to abnormal transactions on the card. At this time, in order to prevent the cardholder from suffering unnecessary losses, the bank will restrict certain functions of the card that have security risks. That's basically it. There are many reasons why bank card display is restricted, which can be roughly divided into the following categories: First, the card status is abnormal, such as the card being degaussed, or being locked after entering the wrong password too many times, etc. Second, if there is no problem with the card but there is a problem with the teller machine, transactions will be restricted if the card is not connected to the network. Third, if you hold an IC chip credit card, this phenomenon occurs because UnionPay has closed the downgrade transaction function. Fourth, bank cards do not support transactions. For example, VISA single-logo cards/JCB single-logo cards do not support UnionPay transactions, nor do they support some online transactions. Fifth, if a credit card holder makes several large integer transactions on the same POS machine, the bank will think that you are cashing out, and cashing out is strictly prohibited by the bank, so it will restrict your credit card transactions, which is serious. The person will also freeze the credit card.

How about Wuhan Rural Commercial Bank’s Meituan Credit Card?

It’s okay. It’s a credit card with a relatively large practical effect. This credit card provides cardholders with a range of services including takeout, dining, travel, entertainment, etc. One-stop financial consumption service, creating Hubei Province’s first “lifestyle” credit card. When cardholders pay through the Meituan platform, they can enjoy discounts of 6 yuan on the first successfully paid takeout order every day from time to time, draw red envelope coupons for every purchase, and accumulate Meituan pocket money for designated purchases. At the same time, this card can also enjoy discounts such as annual fee, loss report and card replacement handling fee, etc.

1. Wuhan Rural Commercial Bank thoroughly implements the spirit of the 19th National Congress of the Communist Party of China, steps up the implementation of a series of major strategic deployments of provincial and municipal party committees and governments, takes innovation as the first driving force, and strives to build a "characteristic bank, "Boutique Bank, Smart Bank", accelerate the pace of digital transformation, systematically promote digital and intelligent transformation, and follow the concepts of "openness", "integration", "collaboration" and "empowerment" to effectively integrate financial scenarios and external non-financial scenarios. Integrate, continuously improve customer stickiness, and continue to enrich and improve the ecosystem of digital transformation.

2. Today, with the rapid development of mobile Internet technology, "quality" service has become the purpose that Wuhan Rural Commercial Bank Credit Card has always adhered to. This time, it has joined hands with the Meituan platform to focus on "eating, drinking and having fun" Life consumption scenarios, through the two-way empowerment of "consumption scenarios + user experience", and Meituan pool their respective advantageous resources, adhere to technology as the core and customer-centeredness, accurately reach local users, and deeply focus on user consumption scenarios and needs.

3. Wuhan Rural Commercial Bank was originally part of Tonglian’s existing AIC standard card bank, with an existing card volume of nearly 230,000. It began to negotiate for the ++ famous card project in early 2020, but due to the epidemic, the The move-in was officially launched in the second half of the year. In addition to integrating the Meituan co-branded card function, this project also needs to migrate the existing standard cards into the new system. There is not much time left for the project team from project start to production.

4. Faced with the project's tight schedule, heavy tasks, and high difficulty, all parties involved in the project cooperated with each other and worked together. Especially when faced with practical difficulties such as the simultaneous implementation of several key projects of the company and resource shortages, the president The office actively guided and coordinated, the data center, marketing department, business support department and product innovation department fully promoted, and all R&D departments cooperated. In just over 3 months, the project went from early product design, demand assessment to system development. , business testing and system launch, and has completed standard card data migration and development work, involving the development and transformation of more than 50 systems, newly developed independent systems including joint-branded card approval, big data reporting platform, and more than 8,000 test case data projects. It also successfully solved the transformation of one core to connect two sets of approval systems, and successfully completed various tasks.

How to calculate Hubei Rural Commercial Bank’s credit card points

The Hubei Rural Commercial Bank’s credit card points rules are slightly different for different types of credit cards. Their points rules are as follows:

(1) FuKa Standard Card

Earn 1 point for every RMB 1 valid consumption by the cardholder, and the points are permanently valid (cleared when the account is cancelled); 1,000 points will be awarded upon opening the FuKa Standard Card; On the cardholder's birthday, you can enjoy double points for spending with the card; if you recommend a standard card, you will be rewarded with 1,000 points. The points will be credited to the referrer's account after the referrer's card is activated.

(2) FuKa Gold Card

Earn 1 point for every RMB 1 valid consumption by the cardholder, and the points are valid forever (cleared when the account is cancelled); FuKa Standard Card is issued The card will reward you with 1,000 points; on the cardholder's birthday, you will enjoy double points for spending with the card; you will be rewarded with 1,000 points by recommending a standard card. The referrer's points will only be credited to his account after the referrer's card is activated.

(3) Fuqua Diamond Card

Earn 1 point according to the valid consumption of RMB 1 by the cardholder, and the points are valid forever (cleared when canceling the account); Fuqua Diamond Card is issued The card will reward you with 20,000 points; on the cardholder's birthday, you can enjoy double points for spending with the card; if you recommend a diamond card, you will be rewarded with 20,000 points. The referrer's points will not be credited until the referrer's card is activated.

(4) Fuqua Platinum Card

Earn 1 point based on the valid consumption of RMB 1 by the card holder. The points are valid forever (cleared when canceling the account); Fuqua Platinum Card is issued The card will reward you with 10,000 points; on the cardholder’s birthday, you will enjoy double points for spending with the card; you will be rewarded with 10,000 points by recommending a platinum card, and the referrer’s points will be credited to his account only after the referrer’s card is activated.

Hubei Rural Commercial Bank-Credit Card-Fuka Standard Card

Hubei Rural Commercial Bank-Credit Card-Fuka Gold Card

Hubei Rural Commercial Bank-Credit Card- Fuqua Diamond Card

Hubei Rural Commercial Bank-Credit Card-Fuqua Platinum Card

How to repay Hubei Rural Credit Union credit card?

Repay over the counter at an outlet payment.

You can choose between "full repayment" or "minimum repayment". When you choose to repay in full, the consumption payment can enjoy an interest-free period of up to 54 days.

According to Article 13 of the "Hubei Provincial Rural Commercial Bank Fuka Credit Card Articles":

The cardholder can use the card with the logo of the credit card organization or company on the card (including but not limited to VISA

, MasterCard, UnionPay), and can be used at domestic and overseas acceptance points with this acceptance logo, as well as other special merchants (including online merchants), business outlets, and self-service equipment designated by the card issuer.

Cardholders’ transactions such as consumption and cash withdrawal at home and abroad must comply with national laws, regulations and rules, as well as relevant regulations of card issuers, special agencies, credit card organizations or companies, etc. Cardholders who use credit cards to conduct business through electronic banking channels must abide by the card issuer's relevant regulations, agreements and transaction rules for electronic banking business. Corporate cards cannot withdraw cash directly.

Extended information:

According to Article 16 of the "Hubei Provincial Rural Commercial Bank Fuka Credit Card Regulations":

For any transaction using a password, the card issuer All transactions are deemed to be made by the cardholder himself. All types of transactions such as card consumption, deposits and withdrawals, online payments, and mobile payments are processed for the cardholder based on electronic information such as passwords. The electronic information records generated by the transaction are all transactions. valid credentials.

For transactions conducted without using a password, the transaction voucher signed by the cardholder and other supporting documents agreed between the card issuer and the cardholder, or other confirmed basis proving the cardholder's consumption , is a valid proof of completion of the transaction, unless otherwise agreed between the cardholder and the card issuer.

Hubei Rural Credit Cooperative (Rural Commercial Bank)-Repayment Service

That’s it for the introduction of Hubei Rural Commercial Bank’s credit card.