1 The password was entered incorrectly and locked.
If the number of incorrect passwords is exceeded, the credit card will be locked. Usually, a credit card password will be locked if it is entered incorrectly for three times.
2. The credit card is locked after it is overdue.
Overdue will have many effects, not only affecting credit information, but if the cardholder's credit card is overdue seriously, the bank may lock the overdue card and make it impossible for the cardholder to use it.
3 There is a risk that the transaction will be locked.
Cardholders frequently use pos machines for large consumption and cash withdrawal. Moreover, credit cards are often swiped, and it is easy to be locked without real transactions.
I have to say that there is a big difference between the amount of credit card consumption and the actual price of goods. Repeated transactions in the same business will also be locked. Moreover, credit cards involve property issues, and credit cards may be locked and temporarily unable to conduct transactions.
What is a credit card?
Creditcard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.
2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.
Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).
Generally speaking, bank cards are divided into credit cards and debit cards.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.
Why is the credit card (debit card) of Agricultural Bank of China locked before it expires?
If ABC's credit card (debit card) is not overdue but locked, it is probably because:
1. You entered the wrong password when swiping a credit card (debit card). Because you entered the wrong password three times in a row, it was temporarily locked. However, customers only need to contact the customer service of Agricultural Bank of China to apply for unlocking. After resetting the password, the card will return to normal and can continue to be used.
2. ABC suspects that it is not the cardholder who swipes the credit card (debit card), and there is a risk of card theft.
3. The customer has bad card use behavior, such as illegal cash withdrawal operation on the card; Or because ABC always swipes a credit card (credit card) in the same business, or frequently swipes a large credit card (credit card). It is suspected of taking cash, so ABC runs risk control.
What if the credit card is locked?
What if the credit card is locked?
The reason why the credit card is locked:
1. You entered the wrong password more than 3 times when logging in to online banking;
2. risky transactions;
3. Failure to repay on time.
Generally speaking, credit cards are locked because too many wrong passwords are entered when withdrawing money or inquiring. If you enter the wrong password more than 3 times when logging in to online banking, online banking will temporarily close your bank account. Generally, you can return to normal the next day, and then enter the correct password to log in. If the bank card is locked due to too many wrong passwords during withdrawal or inquiry, you can only ask the bank service personnel to reset or retrieve the passwords.
How to unlock a credit card:
1. Call the credit card customer service hotline and ask the customer service to unlock it according to the voice prompt.
2. I took my credit card to the counter of my peers' business outlets and asked the salesperson to go through the unlocking procedures. There is no handling fee.