What to do if your credit card is locked

If your credit card is locked, you should first find out the reason why it is locked. Once you know the reason why your credit card is locked, you can then find a solution based on the reason. Common reasons for credit card being locked include: 1. Entering the wrong password. 2. Account risk. 3. Long-term debt arrears.

1. The password is entered incorrectly. If a credit card holder enters too many incorrect passwords when using the credit card to make purchases, transfer money to others, or log in to the credit card account management center, the credit card will be temporarily blocked by the system in order to reasonably avoid risks.

You can ignore the problem of your credit card being locked and it will be unlocked on its own the next day. If you are in a hurry to use the credit card, you can take your personal ID card to the nearest bank to report the loss first, and then reset the password.

2. Account risk. If the credit card holder engages in irregular behavior when using the credit card (such as cashing out the credit card, using the card to finance loans, etc.), the credit card account will be deemed by the system to have a fund security risk or the card may be suspected of being stolen. , and lock (or freeze) it.

When a credit card account is locked due to financial security risks, the cardholder needs to bring the original ID card to the counter of the card-issuing bank to apply for unlocking (or unfreezing) in person, and inform the bank of the recent purpose of the credit card transaction. . Some banks may charge certain fees for unlocking services.

3. Long-term debt arrears. When a cardholder uses a credit card, if the credit card repayment is overdue, the bank will usually charge overdue interest as a reminder when repaying the payment, and will not block the credit card immediately. But if you fail to pay off the balance for three consecutive months, the bank will block the credit card.

If your credit card is locked due to long-term debt, the most important thing is to find a way to pay off the debt first, and then maintain normal business dealings with the card-issuing bank for at least three months. An application for unlocking can be made to the bank.

What should I do if my credit card is locked?

What should I do if my credit card is locked?

The reasons why the credit card is locked:

1. Entering the wrong password more than 3 times when logging into online banking;

2. There are risky transactions;

3. Failure to repay the loan on time.

Generally, credit cards are locked because you enter the wrong password too many times when withdrawing money or making inquiries. If you enter the wrong password more than three times when logging in to online banking, online banking will temporarily block your bank account. It usually returns to normal the next day, and you can log in by entering the correct password. If your bank card is locked due to too many incorrect password entries when withdrawing money or making inquiries, you can only ask the bank's service staff to reset or retrieve your password.

How to unlock your credit card:

1. Call the credit card customer service hotline and follow the voice prompts to ask customer service to unlock it.

2. I take my credit card to the counter of the same business outlet and ask the salesperson to handle the unlocking procedure. There is no handling fee.