# 為什麼信用卡會授權失敗？

造成這種情形的可能原因有下列幾項：

1. 信用卡卡號、卡片背面末3碼或有效期限輸入錯誤、卡號過期、尚未開卡等問題（註1）。
2. 信用卡額度不足，或非台灣發卡銀行拒絕交易。
3. 您剛繳交完卡費，但銀行尚未入帳，銀行將會暫時限制線上刷卡。
4. 您的發卡銀行系統忙碌或是網路資料擁塞，刷卡等待時間過長，造成系統確認失敗。
5. 在此的單筆刷卡金額，已超過您發卡銀行准許的「單筆授權上限」。

如需進一步了解付款失敗的原因，建議您聯繫發卡銀行查詢，或更換其他信用卡或其他付款方式。

\
**註：信用卡換卡，請至所屬通路 APP 中重新綁定卡片，方能再次觸發系統重新扣款。**


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://help.mochipay.xyz/account-setting/credit-card/authorization-fail.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.