In general, the bank freezes the cardholder's credit card for the following reasons: the overdue credit card is serious, the credit card is cashed out, the credit card is stolen, etc.

The credit card is seriously overdue, which leads to the freezing of the credit card, and the cardholder is frozen by the issuing bank because he fails to repay the loan on time for a long time or the overdraft amount is large;

Cash-out of credit card leads to the freezing of credit card, which is illegal. After the issuance of credit cards, banks will supervise and record the credit card transactions, and the obvious credit card cashing behavior is easily recognized by the issuing bank. Once the issuing bank finds that there is a credit card cashing behavior, the bank will freeze the credit card. In serious cases, the cardholder should be investigated for criminal responsibility;

Credit cards are frozen due to stolen credit cards. In order to prevent the loss of stolen credit cards from further expanding, cardholders will generally ask the issuing bank to freeze their credit cards, and in some cases, the issuing bank will take the initiative to freeze their credit cards for cardholders.

Credit card unfreezing:

If the credit card is frozen due to overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the credit card customer service center of the issuing bank to explain the situation. Under normal circumstances, the bank will unfreeze it. After that, the cardholder must repay each installment on time, so as not to cause overdue, because overdue credit cards will be counted in the personal credit information system, and too many overdue times will affect future loan applications;

The freezing of credit cards caused by cashing out credit cards depends on the situation. If it is not subjective cashing, but the bank mistakenly believes that the cashing cardholder can call the credit card customer service center of the issuing bank to explain the situation and apply for credit card unfreezing;

The credit card is frozen due to the stolen credit card. Generally, the issuing bank will unfreeze it after the stolen credit card is handled.