As a tool for advanced consumption, credit cards have become popular among the public with an alarming trend in recent years. Even many college students have become credit card users. Credit cards have pros and cons, but here, I personally suggest that for students who have no fixed source of income and poor repayment ability, it is best not to use credit cards easily.

Let’s talk about a problem that you will encounter when using a credit card - the credit card is locked. So why is the credit card locked? Generally, there are the following situations:

1. Entering the wrong password three times in a row.

In fact, except for credit cards, any bank card will be automatically locked if you enter the wrong password three times in a row. At this time, you will not be able to use the card for any transactions. Of course, this kind of card lock is a temporary card lock and will be automatically unlocked after 24 hours. Of course, if you are in a hurry to use it, you can also go to the bank counter to ask the staff for help.

2. Enter the wrong password more than 10 times in a row.

This kind of card lock means that if the credit card password is entered incorrectly more than 10 times in a row, the credit card will also be locked. At this time, the card is permanently locked and will not be automatically unblocked after 24 hours. It must be The cardholder is required to call the credit card service hotline of the card issuer for manual unlocking. Of course, the cardholder can also go to the bank counter to ask for help from the staff.

3. Overdue repayment (serious).

When the repayment is overdue, the bank will remind the cardholder to repay in time through text messages, phone calls, etc. At this time, you only need to repay in time. Of course, some late payment fees will be incurred. It is generally recommended that everyone Don’t be overdue, as it will affect your personal credit report, which will affect later purchases of houses, car loans, etc. If the bank still fails to repay in time after 2-3 months after collection, the bank will freeze the credit card. In this case, you need to repay the loan in time and actively coordinate with bank personnel to unlock it.

4. The property is frozen by the court.

This situation is relatively rare for ordinary people. When a lawsuit is filed and financial issues are involved, the credit card may also be frozen simultaneously. In this case, it can only be unlocked after the lawsuit is over.