If your card has the UnionPay logo, you can use it through the UnionPay network, both at home and abroad, and there is no handling fee.

You can't use a card for several reasons.

First, the card status is abnormal, such as card degaussing and chip damage.

Second, the card does not support transactions. For example, the card with VISA single logo /JCB single logo does not support UnionPay transactions, nor does it support some online transactions.

Third, there is nothing wrong with the card. If the signal of POS machine is not good, the off-line transaction will fail.

Fourth, the IC chip credit card will not be used if the cashier still operates the transaction by swiping the card instead of inserting it, because UnionPay has turned off the downgrade transaction function.

Fifth, some overseas websites do not support domestic credit cards or CCB credit cards.

Sixth, the credit card limit is insufficient.