What should I do if the bank does not unfreeze the frozen credit card?

If the credit card is frozen and cannot be unfrozen, you must look at the reason for the freeze to find solutions.

1. Suspicion of cash withdrawal leading to freezing

Frequent use of POS machines to withdraw large amounts of cash has caused UnionPay to doubt the credit of the cardholder, and the bank will reduce the credit card limit. If the circumstances are serious, The deposit will be frozen directly. At this time, relevant evidence of non-cashout must be provided to the bank, otherwise it cannot be unfrozen.

2. Multiple overdue repayments

The solution is to repay in full, call customer service and ask for an unfreeze. As a result, the credit limit may be reduced, but if there are not many overdue payments, , usually customer service will unfreeze it. If the amount is large and overdue for a long time, it cannot be unfrozen.

3. Second-clearance POS machine set codes and code hopping

Currently, there are a proliferation of second-clearance POS machines on the market. Due to some of them using the large merchant model, credit card consumption records are in a state of chaos! For example, if Zhang San lives in Beijing and makes a transaction of 100 yuan in a certain store, the bank registration information of the second-clearance POS machine used by the other party may be in another city. Once Zhang San makes purchases at the Erqing POS machines of other merchants on the same day, and encounters a similar situation, there will be records of credit card swiping in several different cities in one day, and it is very easy for the bank to monitor and block it. At this time, it is necessary to If you explain the whole situation to the bank, it may still be possible to unfreeze it.

4. If the property is frozen or confiscated due to various disputes, the credit card will also be frozen. This situation is relatively rare. Solve the lawsuit first, and then consider unfreezing the credit card.

There are some restricted areas for normal use of credit cards:

1. Repeated operations at the same POS machine for several months.

2. Just swipe it out on the POS machine as soon as it is enabled.

3. The same card is used on the same capping machine on a fixed date every month, occupying bank funds.

4. There are transactions beyond normal business hours, such as merchants in the wholesale market having transactions after get off work.

5. The credit card has been in a state of being empty for a long time. For example, if the repayment date is entered as an integer in a short period of time, the integer comes out, and there is no record of credit card swiping at other times or less than 2 transactions. If the background system is operated like this for several months, it will be a problem. can be detected.

6. Integer single transactions, such as 10000, 50000, 100050, 200040, 10200, 20400, 10500, 50500, are all suspected of cashing out.

What will be displayed if the credit card is frozen?

Nothing will be displayed. After the credit card is frozen, it can only be queried, but cannot be traded. Prompt and full repayment activates blocked credit cards.

How to activate a frozen credit card

Hello, if you have a credit card from our bank, it depends on the reason why you were frozen, because Baidu platform cannot verify the account information, please call the person on the back of the credit card The hotline number will be verified and processed by customer service staff after entering the manual.

If you still have questions, please add corporate QQ customer service 4008205555 or add a new public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

What should I do if my credit card is frozen after entering the wrong password?

Yes, call the customer service number of your credit card.

What happens if your credit card account is frozen?

1 After being frozen, you can no longer use your card to make purchases. But this is a small matter. Adding you to the blacklist in the credit database is a big deal. No matter what bank credit card or loan you apply for in the future, you will not be able to apply for it. It will take 7 years before the bad records can be eliminated.

2 You can just go to the counter and deposit money into the card number. You can call the credit card center to find out the specific amount owed.

Go and return it as soon as possible, otherwise you may receive a letter from ICBC’s lawyer.

My China Merchants Bank credit card has been frozen, how can I unfreeze it? 15 minutes

Hello, it is recommended that you pay the minimum repayment amount as soon as possible, then call 4008205555, enter your ID number and select 9 to enter manual , verified and processed by customer service staff.

If you still have questions, please add corporate QQ customer service 4008205555 or add a new public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

How to repay after the credit card is frozen?

After freezing, the credit card can still be operated in the ATM machine, but it can only be repaid.

You can repay as much as you have now, and click in as much or as little as you want, otherwise the bank will keep calling you for collection, either at home or the contact number you left at the beginning.

What should I do if my credit card is frozen after it has been paid off?

Because you have not paid back the money in the past few months, it is normal for it to be frozen. Don’t underestimate what you said about the past few months. Three months is enough to constitute a malicious default and the bank is at risk. It is a normal procedure to consider freezing. You can ask if you can still apply for re-activation. Some banks can still re-activate by reducing the limit and supplementing the information

My credit card is frozen and I cannot repay on time, what should I do?

Hello, if you hold a credit card from our bank, you can still repay it if it is frozen. If you fail to repay the minimum payment on your bill in time before the payment due date, late fees and interest will be charged, and your personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the next day after consumption), with a daily interest rate of 0.5% until you pay it off in full. In order to avoid affecting your personal credit, it is recommended that you repay your bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time.

If you still have questions, please add corporate QQ customer service 4008205555 or add a new public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

What should I do if my CITIC credit card is frozen?

If the cardholder's credit card is frozen due to failure to repay on time or multiple cash outs, usually you only need to call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms Once your debt is paid off, we will immediately unfreeze it for you, and your credit card can be used after it is unfrozen.

As for the handling of personal bad credit records, according to the central bank's "Draft for Comments on Credit Information Management Regulations", the maximum retention period for bad credit records is 5 years, but only personal credit records will be retained in the personal credit report. Show credit card records for 24 months. It is recommended to keep the card active for at least 2 years after activating the card to avoid a negative credit record that will have a negative impact on future applications for credit cards or personal loans.