Why was the credit card stopped?
0 1
When the credit card is abnormal and there is a risk of being stolen by hackers or criminals, the bank will suspend the user's credit card account for the safety of funds.
The bank has a set of security management system, which is specially used to manage the issued credit cards. When the system recognizes that the credit card is in a risky pos machine or has abnormal card swiping behavior, it will automatically stop payment and lock the credit card account to prevent the credit card from being stolen and endanger the safety of using the card.
02
The bank suspects that you have illegally cashed out, and the bank's regulations on the use of credit cards prohibit users from illegally cashing out.
Many people will make the idea of cashing out by credit card when the cash flow is bad, but cashing out illegally will increase the risk of bank's fund recovery, so when the bank thinks that the cardholder may violate the rules, it will reduce the credit card limit or suspend the credit card according to the specific situation.
03
If more than three bills are overdue, the issuing bank has the right to unilaterally stop your credit card.
And there will still be overdue interest and late fees on the bills under the credit card name. If the amount meets the requirements of the bank, the bank will also sue the cardholder who owes a large amount, and may also face criminal punishment.
What if the credit card is stopped?
0 1
If the credit card is suspended due to overdue, try to pay off the arrears in time, including the full late payment fee and interest, and pay off the money whether you use this card or not in the future, otherwise the consequences will be very serious.
02
Call the issuing bank and apply for credit card recovery or replacement. If the bank agrees to apply, it will issue you a new card. You just need to destroy the old card and open a new one.
03
If the account is frozen by the bank because of risks, you can bring all relevant certificates and submit your personal identification at the issuing bank's outlets. Then, after bank authentication, you can apply for changing the password to open the original card or cancel the original card to apply for a new card.
How to effectively avoid the suspension of credit cards?
0 1
Repayment on time and credit card records are one of the main reasons for personal credit investigation. If the cardholder fails to repay the loan on time, it will not only generate high interest and late payment fees, but also affect personal credit information. Not only will the card be suspended, but it will be difficult to apply for other banking services in the future.
02
Try not to cash out illegally by credit card. Even if you need to withdraw cash, try to choose to handle the withdrawal operation through formal channels.
03
In the process of using the card at ordinary times, pay attention to the safety of swiping the card, strictly prevent the disclosure of personal information and credit card information, and avoid the risk of credit card being stolen.