Hello, this is the NAMANE Card team. 

We would like to inform you about the restrictions on card usage for abnormal transactions. 

According to the KORAIL Railplus policy, if you convert the Pay balance to the transportation balance and receive a refund at the ATM, it will be classified as an abnormal transaction. 

If similar transactions occur in the future, card usage may be restricted. 

Please take note of this information for your service usage. 

Thank you.