Reasons for freezing credit cards:

1, suspected of cashing out. If you frequently use POS machines for large-scale consumption or frequent large-scale cash withdrawal, especially cash withdrawal with capping machines, UnionPay will have doubts about your credit, so the bank will reduce your credit card limit, and if the circumstances are serious, it will be directly blocked.

2. Repeated overdue repayment. If the repayment is overdue for many times, the bank will think that you are unable to repay and freeze your credit card. At this time, if you repay in full, call customer service to ask for unfreezing, the amount may be reduced, but if there are not many overdue times, the general customer service will unfreeze.

3. Credit card theft. This situation is the cardholder's own choice. When a credit card is lost or stolen, in order to prevent the loss caused by theft, the general cardholder will ask the issuing bank to freeze the credit card, and in some cases, the issuing bank will take the initiative to freeze the credit card for the cardholder.

When the credit card will return to normal after being frozen depends on the specific situation:

1. If it is frozen due to overdue repayment, you can unfreeze the card only after paying off all the arrears, and then repair the damaged credit and improve personal credit. Because it is difficult to repair credit quickly in a short time, it is recommended that customers pay off their debts and patiently improve their credit for three to six months. If it is overdue, the card will never return to normal.

2. If cash is frozen due to violation of regulations, customers can only wait patiently for the end of risk control. The banking system will conduct a comprehensive evaluation from time to time, about once a month. When the comprehensive evaluation of the system reaches the standard, the account risk will be reduced and will naturally be thawed.

3. Of course, if the card is not withdrawn, it is because the total consumption amount is large and it is frequently spent in the same merchant, which leads to the freezing of the card risk control. Then the customer can contact the bank to appeal, and the appeal will naturally recover soon.

If it is frozen because it is suspected of stealing, customers only need to go to the bank to authenticate their identity and provide details of recent transactions, which will generally be unfrozen soon. If the transaction password is frozen due to continuous input errors, just reset the password and it will soon return to normal.

When will the credit card be frozen?

1. When the credit card is overdue for many times, or it is suspected of cashing out, and the credit card is swiped for many times in a row, in consumption abroad, and in two places at the same time, the credit card will be frozen.

2.① overdue for many times.

3. Different overdue situations have different consequences. Generally speaking, if the bank is overdue for more than three months in a row, it will freeze the credit card and report it to the central bank's personal credit report.

4. It should be noted that overdue refers not only to the overdue of credit cards, but also to other types of bank loans that are overdue for many times, which will lead to the freezing of credit cards.

5.② Suspected of cashing out.

6. It is illegal to cash out, and the bank expressly stipulates that cardholders cannot cash out with credit cards.

7. Once the bank finds that the cardholder's cashing behavior is true, the credit card will be frozen.

8.③ The credit card is abnormal.

9. If your credit card has been swiped in large amounts for many times in a row, swiped in consumption abroad or swiped in two places at the same time, the bank will think that your credit card is abnormal, and in order to prevent your credit card from being stolen, the bank will freeze your credit card.

10, ④ The password was entered incorrectly for more than three times.

1 1. When using a credit card, if the wrong password is entered continuously, the credit card will be frozen. Different banks have different rules for continuously entering wrong passwords. Some banks freeze their credit cards if they enter the wrong password three times in a row, and some banks freeze their credit cards if they enter the wrong password five times in a row.