1. What to do if a credit card is deactivated

There are many reasons why a credit card is deactivated. Cardholders need to choose different credit cards based on different reasons. solution.

1. If the credit card is deactivated due to overdue credit card, the cardholder should pay off the balance as soon as possible and call the bank to apply for activation of the credit card. Most banks will agree to reinstate the credit card if it is only overdue for a certain period of time. But if the overdue period is relatively long, the bank will not reinstate the credit card even if the debt is paid off.

2. If the credit card is disabled due to illegal operations, the cardholder should explain the situation to the bank and provide proof that no illegal operations were performed. The bank will activate the credit card after verification. However, if the cardholder does engage in illegal operations, the credit card may not be activated and the bank will not approve the cardholder's other credit card applications.

2. Why is the credit card deactivated?

1. The credit card is overdue. If the cardholder has bad behavior such as overdue payment, the bank will control the credit card. Although the card will not be canceled directly, its use will still be suspended. At this time, even if the credit card has a limit, consumption cannot be made by swiping the card.

2. The card is not used in a standardized manner. The bank system will check the card user’s card swiping time, amount, merchant type and other behaviors from time to time. If abnormal transaction behavior is found, the cardholder will be suspected of cashing out or committing credit card fraud, and the use of the card will be suspended.

3. Transaction risk. Many cardholders often spend all their credit cards at once, or conduct transactions in different places at the same time. At this time, in order to ensure the safety of funds, the bank will also choose to suspend the use of the credit card, and then call to verify whether it is for personal consumption. Once verified, the credit card will be reinstated.

3. Will the deactivation of a credit card affect personal credit?

If the credit card is deactivated, it will affect the credit investigation. Usually, when a card-issuing bank decides to stop a credit card, it's primarily because the card is overdue. As long as the credit card is overdue, it will affect the cardholder's personal credit investigation. After the cardholder confirms that the deactivated credit card has no outstanding balance, the cardholder can call the credit card service hotline on the back of the card.

Moreover, if a credit card is deactivated, it is usually overdue for a long time. In this case, the damage to personal credit is relatively large, and it will be difficult for the cardholder to apply for loans and credit cards in the future.

In short, the above is all about what to do if your credit card is deactivated. Friends, if your credit card is deactivated, it is best to communicate and negotiate with the bank in time to find out the reasons for the deactivation and then find a solution. recover.

The consequences of being overdue are still very serious. If you do not handle it in time, you may face the risk of litigation. Contact a legal advisor to solve your overdue troubles.