If the credit card is overdue, stolen or cashed out, the bank will automatically freeze the industrial and commercial credit card.
If the freezing time is long, please bring your ID card and industrial and commercial credit card to the ICBC card center for freezing during the working hours of ICBC working days.
Because the industrial and commercial credit card has been frozen, ATM deposits and withdrawals can no longer be inserted to avoid being swallowed up. ?
ICBC credit cards can be unfrozen under certain circumstances. Here's how to thaw:
1. The credit card was frozen due to its expiration.
Solution: You need to pay back the overdue money as soon as possible. After paying off the ICBC credit card, I can call the ICBC credit card customer service center to explain the overdue amount. Under normal circumstances, ICBC will unfreeze. In each repayment in the future, the repayment must be made on time, and there can be no more overdue cases, otherwise it will be included in the credit information system, which will affect future loan applications.
Second, the credit card was frozen due to cash withdrawal.
Solution: If it is not subjective cashing, but the bank mistakenly thinks cashing, you can call ICBC Credit Card Customer Service Center to explain the situation and apply for credit card unfreezing.
Third, the credit card was frozen because it was stolen.
Solution: The general bank will unfreeze the stolen brush after handling it.
4. You can apply for thawing through telephone banking 95588. If it can be thawed, it will usually be completed within 2 working days. If it cannot be unfrozen, the card center may contact the customer to inform him (the situation varies from place to place).
Extended data:
I. Credit card payment:
The suspension of credit card payment is a preventive measure taken by banks to strengthen management, ensure safety and prevent losses and adverse effects caused by fraudulent use of fake cards and lost cards. At the same time, it is also an important link to stop the payment of the main card or the auxiliary card at the request of the cardholder to reduce the losses and risks of the cardholder.
1, credit card payment range
Credit card payment suspension is generally divided into cardholder's initiative to stop payment, issuer's initiative to stop payment, head office's initiative to stop payment and cardholder's initiative to cancel.
2. Type of stop payment
(1) loss reporting card.
(2) The main card requires to stop paying the subsidiary card, and the company requires to stop paying the company card.
(3) Credit cards that exceed the limit and are overdue.
(4) Emergency stop payment card in this period.
Two. ICBC's late payment standard:
Peony dual-currency credit card: charged at 5% of the outstanding minimum amount, with a minimum of 65,438+0 yuan RMB or 65,438+0 Hong Kong dollars or 65,438+0 US dollars or 65,438+0 Euro, and a maximum of 500 Hong Kong dollars or 65,438+000 US dollars or 65,438+000 Euro in 500 yuan RMB.
Peony RMB credit card: 5% of the minimum repayment amount has not been paid. The lowest is 1 yuan, and the highest is 500 yuan.
The late payment fee for ICBC's credit card is charged on a monthly basis, and the proportion charged each time is 5% of the outstanding minimum repayment amount.
Baidu Encyclopedia-ICBC Credit Card