1. Rule Overview
BKJ VISA credit cards are governed by VISA global compliance and risk control rules. Transactions with high-risk restricted MCC merchants will be automatically declined with no manual override available.
This card is a credit card. Cash out, fund transfer and illegal transactions are strictly prohibited. Repeated attempts will result in card limits or freezing.
2. Restricted MCC List
MCC Code | Risk Description |
4829、6010、6051、6012、6540 | Fund transfer, cash disbursement, foreign exchange, loan repayment, stored-value recharge (high cash-out risk) |
7800、7801、7802、7995、9754、9406 | Lottery, online gambling, horse/dog racing and all betting transactions |
7999、7322、7273、9223 | Grey entertainment, debt collection, dating service, bond payment (high dispute risk) |
5541、5542 | Gas stations & automated fuel dispensers (strict risk monitoring) |
3. Failure Reasons & Solutions
Merchant-side transaction rejections are caused by two main reasons:
1. MCC Risk Interception: The merchant’s MCC code matches VISA restricted high-risk categories. The transaction is system-declined and cannot be manually approved.
2. Insufficient Balance: The available credit limit is insufficient to complete the transaction.
Solution: Please use the card for daily legal consumption scenarios such as shopping, catering, travel, and subscription payments.