It is also possible that malicious use is frozen,

Four situations will lead to the freezing of credit cards, so be sure to pay attention when using cards. Once the credit card is frozen by the bank, it will greatly affect the normal consumption and use. Of course, it is not difficult to unfreeze a credit card once you know why it is frozen.

Illegal cashing of suspicious credit cards

Some cardholders use credit cards to cash out when the capital turnover is not enough. The so-called illegal cashing of credit card means that the cardholder does not withdraw cash from the credit card through normal channels, but swipes the card on the illegal POS machine through false transactions and takes out the overdraft limit in the credit card as cash.

Due to the high risk of illegal cashing of credit cards, it is easy to lead to bad debts of banks. China Banking Regulatory Commission issued regulations that banks have the right to take measures such as reducing the credit line, stopping payment, and inputting relevant information into the credit information system and the established inter-bank shared fraud information database. If cardholders frequently use POS machines for large consumption or frequently withdraw large amounts of cash, they are easily suspected by banks. Your credit card will be frozen. To unfreeze the credit card, you can provide the bank with the recent credit card consumption voucher and consumption invoice to prove that you have not cashed out and ask the bank to unfreeze it.

Repeated overdue repayment

Repayment on time is the most basic requirement of banks for cardholders. For cardholders who are overdue in repayment, the bank will charge interest and late fees. When the cardholder is overdue for many times or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior and continue to provide revolving credit, which is very risky and will unilaterally terminate the use of the credit card, that is to say, the cardholder will find that his credit card is frozen and unable to spend.

The problem of solving the card is that you pay in full immediately, call the bank customer service and ask for unfreezing. If the overdue time is not long and the overdue times are not many, the bank will generally unfreeze you.

Credit card risk

The bank will have a special system to manage the credit cards issued. When the bank thinks that the credit card has been swiped on a risky POS machine or the system prompts that the credit card has been hacked, for safety reasons, the bank will freeze the credit card to prevent it from being stolen.

In order to prevent the occurrence of risks, the cardholder had better ask the bank to replace the new card at this time.

Qing Er POS machine setting code

There are a large number of two-clearing POS machines in the market, which is very prone to the phenomenon of credit card consumption. For example, if you live in Shanghai and spend 100 yuan in a store, and the other party uses the POS machine in Qing Er to settle the account for you, then it is likely that the credit card receipt shows that the credit card merchant is in another city; Or you obviously eat in a restaurant, but the printed receipt shows that your transaction type is real estate, and so on. This situation is easily caught by bank monitoring.