Dear all, I've seen this problem encounted in a few forums, so thought I'd answer once for all.
When a Card / Card Holder record is activated, they will be included in the next load file with a type '3' and '4' record to denoted that it is a "Create" event.
This will write the card holder/card infomation to cluster table PCL1. When transactions (record type 5) are being processed as part of a file upload this table is checked against each card referenced in the transaction record to ensure it has been previously created.
So, long story short, if a file is loading with these errors changes are you've never loaded a file with a 3/4 record for this card.
This can be a problem when testing in DEV, TEST etc when using same/similar transaction files for testing.
In the case of cutover/system migration into Production (and for example migrating from a non-VCF4 format to VCF4) it is imperative that on the initial file VISA include all card-holders as create events (i.e. all cardholder are denoted as new even if the card has been active for some time) otherwise the checks when processing transactions will throw up these kind of errors.
Cheers,
Mike.