Credit card suspension can be lifted under certain conditions, please call the credit card customer service center to handle it.
1. If the credit card is suspended due to overdue, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the bank's credit card customer service center, indicating that the bank will generally lift the restrictions for him. After that, the cardholder should repay the loan on time, and don't overdue it again, because overdue credit cards will be included in the personal credit information system, and too many overdue times will affect future loan applications.
2. If the credit card is suspended due to cash withdrawal, as the case may be, if it is not a subjective cash withdrawal, but a cash withdrawal that the bank mistakenly thinks, the cardholder can call the bank's credit card customer service center to explain the situation and apply for a credit card cancellation restriction.
3. The credit card is suspended due to the theft of the credit card. Generally, after the stolen credit card is processed, the bank will lift the restrictions.
Extended data:
Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds will be returned to the bank.
The consequences of overdue repayment of credit cards are serious, and overdraft consumption should be moderate. Although the biggest feature of credit card is overdraft function, it actually constitutes the loan relationship between customers and banks. Failure to pay back at maturity may not only lead to law, but also bear a high penalty interest. The most important thing is to form a bad credit record, which will adversely affect future work and life.
After a credit card with high penalty interest defaults, the penalty interest fees usually involved are revolving interest fees and late fees. The essence of revolving credit is a small, unsecured loan with daily interest. If the repayment is not made in full on the last repayment date, revolving credit interest will be generated on the next statement, and the interest needs to be calculated from the date when the consumption is recorded.
Violent collection of legal credit cards has become a hot topic. Many bank credit card centers outsource the collection of credit card repayment to some so-called "debt collection companies". The quality of these companies is mixed, and the methods of debt collection are rough, which brings great trouble to customers.
Not only that, customers who breach the contract may also face legal problems. According to the criminal law, if a bank fails to repay a credit card with a malicious overdraft exceeding 5,000 yuan after three months of collection, if the circumstances are serious, it can be investigated for criminal responsibility for this crime. For defaulting customers, after entering the judicial process, it will not only affect their reputation, but also lose more costs. In addition to paying off the arrears, it is even worse to bear the litigation costs.
Leave a "credit stain" in the national credit information system. In 2006, the central bank established a national unified enterprise and individual credit information basic database. As long as you have applied for a card or borrowed money from a bank, your own "credit report" will be automatically generated in this system. The "stain" in this report can't be ignored. It will affect all kinds of applications for loans, insurance, job hunting and studying abroad. Bad records are generally kept abroad for 7 years.
How long is the overdue credit card of CCB?
If CCB's credit card is overdue for more than 90 days, it will be forced to stop payment, and all accounts under the cardholder's name will be frozen.
The impact of overdue days of CCB credit cards is as follows:
1. If the credit card is overdue for more than 30 days, only 50% of the credit limit will be used;
2. If the credit card is overdue for more than 60 days, the card will be temporarily unavailable;
3. After more than 90 days, the card will be deactivated.
If you don't want to stop the card, you must pay the minimum repayment amount within 90 days.