1. Bank card transactions have not been suspended for half a year. In this case, you can bring your bank card and ID card to any CCB outlet to cancel the suspension of off-exchange transactions.
2. Because the bank card has a bad transaction record, or the personal information is not updated in time, after the user's personal information is updated, it is necessary to let the staff who handle the bank card know. For example, if your credit card has expired (the validity period of a credit card is usually 3 or 5 years) or your bank card has been reported lost and has not been unsealed for the time being, and you have neglected to forget it, then the above payment will fail.
3. Consumers repeatedly pay in a short period of time, suspected of cashing out, money laundering, fraud and other illegal acts. The system refuses to deduct money, and you need to provide reliable vouchers for the user's bank card funds to enter and exit. Or if the IP paid by the consumer comes from an area listed as high risk by international credit card organizations, the system will rate it as a high-risk transaction and refuse to deduct money.
There is a limit to the transaction, and the daily limit needs a certain amount. You can't trade more than this limit.
5. The status of the card is incorrect. If the card is invalid or still frozen, it cannot be used. Please contact the bank to check the status of the card.
6. Insufficient available balance (such as pre-authorized business) indicates that there is not enough money in the card. At present, banks have restrictions on the amount paid through third-party channels, which is generally 50,000 yuan/65438+100,000 yuan/200,000 yuan. In order to increase the payment limit, you need to apply again, so the biggest possibility of this fund is that the payment exceeds the limit and the bank refuses to trade.
7. Then, for example, the payment password is locked because there are too many mistakes (but this is usually a display password error), the bank system is wrong, or your account has been frozen by the court. You can contact the relevant customer service to solve it.
The above situation is the most common case of bank refusal to pay. If you don't have any of the above situations, you can call the bank customer service to find out the specific situation and solve it.