What to do if your credit card is declined when purchasing ChatGPT Plus membership in China?

ChatGPT Plus and OpenAI API have become powerful assistants for many domestic users in their daily work and study. However, domestic users often encounter the embarrassing situation of credit card rejection when subscribing to ChatGPT Plus or recharging OpenAI API. Whether it's due to UnionPay single-branded cards not supporting USD payments or some Visa/MasterCard transactions being intercepted due to risk control, payment issues can be quite frustrating. So, how should domestic users respond to the dilemma of credit card rejection? This article will provide a detailed analysis and recommend a solution specifically designed for domestic users—WildCard.

WildCard Official Website: https://leixue.com/go/yeka

Why Are Credit Cards Rejected?#

When trying to subscribe to ChatGPT Plus, domestic users may encounter the following common issues:

Payment Method Restrictions: ChatGPT Plus requires binding to internationally accepted payment methods (such as Visa or MasterCard), while UnionPay single-branded cards issued domestically usually only support RMB transactions and cannot complete USD payments directly.
Bank Risk Control: Even with a Visa or MasterCard dual-branded card, some banks may reject transactions due to risk control strategies triggered by OpenAI's payment system.
Regional Restrictions and Network Environment: Due to certain restrictions on IP addresses and regions by OpenAI's payment system, using a domestic network environment may lead to payment failures.

These issues deter many users, but the good news is that there is a simple, safe, and stable solution—WildCard.

WildCard: Tailored for Domestic Users#

WildCard is an overseas software service subscription platform designed specifically for domestic users, providing virtual credit card services to help users easily subscribe to ChatGPT Plus, recharge OpenAI API, and access other overseas services. Its biggest advantage is that it supports recharging through domestic payment methods like Alipay and WeChat, making the process simple and accessible without the cumbersome USDT recharge process.

Compared to other virtual card platforms like Dupay, VCard, PokePay, WasabiCard, or LocalCard, WildCard does not require users to purchase cryptocurrency, saving them from complex exchange and transfer steps. More importantly, WildCard's payment channels are optimized to effectively avoid risk interception by OpenAI's payment system, providing higher stability and security.

Unique Advantages of WildCard#

Convenient Recharging: Supports Alipay and WeChat QR code recharging, with a minimum recharge amount of only $5. It is recommended to recharge $25 for the first time to cover the $20 subscription fee for ChatGPT Plus and the $5 pre-authorization fee. The recharge fee is only 3.5%, transparent and reasonable.
Quick Card Activation: Registration only requires a mobile phone number, and account creation and card activation can be completed in 1 minute without uploading an ID card, protecting user privacy.
Wide Applicability: In addition to ChatGPT Plus and OpenAI API, WildCard also supports subscriptions to many overseas services such as Google Play, Apple Store, Midjourney, and Claude.
Promotional Activities: By registering on the WildCard official website and using the invitation code "LEIXUE," new users can enjoy a $1 card activation discount. A 1-year membership is only $11.99, and a 2-year membership is $16.99, offering great value.

Here are the simple steps to activate ChatGPT Plus using WildCard:

Register an Account: Visit the WildCard official website, click the "Register" button, and use your mobile phone number to obtain a verification code to complete registration. Remember to enter the invitation code "LEIXUE" to enjoy the card activation discount.
Activate Virtual Card: After logging in, select a 1-year or 2-year membership duration on the "My Cards" page and pay the card activation fee (supports Alipay/WeChat).
Recharge Balance: Recharge through Alipay or WeChat, and it is recommended to recharge $25 for the first time to ensure sufficient balance.
Bind Payment: Log in to the OpenAI official website, go to the ChatGPT Plus subscription page, and enter the virtual credit card information provided by WildCard to complete the binding.
Enjoy Services: After successful payment, you can enjoy the powerful features of ChatGPT Plus!

If you encounter payment failures, it is recommended to check WildCard's transaction records to confirm whether it is due to insufficient balance or network environment. WildCard also provides a "Remote Environment" feature to simulate overseas network IPs, further improving the success rate of payments.

Other Considerations#

Refund Policy: WildCard supports real-time refunds to Alipay, with no additional fees for unused balances. However, if it involves merchant refunds (such as subscription cancellations), it may take 14-21 working days to process and incur a 2% handling fee.
Network Environment: To avoid payment interception, it is recommended to use a home network or less crowded proxy nodes, or bypass restrictions through in-app purchases on the Apple Store/Google Play.
Multi-Card Management: WildCard supports multi-card mode, suitable for enterprises or individual users who need to manage multiple accounts.

Conclusion: WildCard, Enjoy Overseas AI Services#

For domestic users, credit card rejection is a common obstacle to subscribing to ChatGPT Plus and recharging OpenAI API, but WildCard provides a simple, safe, and efficient solution. With Alipay/WeChat recharging, quick card activation, and wide applicability, WildCard has become the preferred tool for domestic users to subscribe to overseas AI services. Visit the WildCard official website now, use the invitation code "LEIXUE," and start your ChatGPT Plus journey!