A text message came saying that my credit card has been frozen. What is the situation?

It may be caused by improper use of the credit card holder! 1. Check the balance before making large purchases with your credit card. 2. The machine used is recognized as a cash-out machine. 3. The consumer merchant is a fake merchant and the industrial and commercial network does not exist. 4. The merchant using the card is a charity or preferential merchant, not a standard merchant. 5 .Consumption merchants are cross-regional merchants! There are several situations that can cause a credit card to be reduced or blocked. Generally, if it happens occasionally, it will only lead to the credit card limit not being increased. If it happens often, it will only lead to a reduction. If it happens for a long time, it will lead to the card being blocked.

When you receive this text message, you have to identify whether it is a message from the bank.

“Your credit card has been overdue due to illegal operations. Our bank has temporarily frozen your credit card. If you need to resume normal use, please call 0086××××”.

What is the key issue in this message? That's the phone number you call back. Because that number does not belong to the bank.

If you see your name in the text message and the text message is signed with "XX Bank", you will believe it and immediately contact the phone number in the text message. After the call is connected, the person claiming to be "customer service" will say that if there is an overdue consumption that is not dealt with in time, the credit report will be blacklisted.

"Customer service" claims that "returning to normal" requires "verification of your "credit information". You will then be asked to send verification information. At this time, you reported the payment verification code received on your mobile phone to "customer service" . You will find that shortly after submitting the verification code, your mobile phone will receive a bank deduction message.

If the payment is late for a long time, the bank will also freeze the credit card, and long-term overdue payment will affect your personal credit. , the bank will truthfully feedback the cardholder's card usage according to the requirements of the People's Bank of China, and during this period, the bank will have specialists to collect the payment through text messages, phone calls or door-to-door visits, and there will be relevant agreements on the application form when applying for the card. , if it is seriously overdue, the bank will reserve the right to pursue legal procedures and will also receive a text message notification, so in your case, it is better to pay off the money as soon as possible.

What will happen if your bank card is frozen? SMS reminder?

1. What kind of SMS reminder will be received if the bank card is frozen?

If the bank card is frozen, whether the cardholder will receive the SMS reminder mainly depends on whether the cardholder has activated it. Bank SMS service, if the cardholder turns on the SMS service of the mobile phone, he will receive the SMS notification that the bank card is frozen; if the SMS notification is not enabled, the user will not receive the SMS reminder that the bank card is frozen. Please note that if you receive it. For text messages similar to "Credit card frozen", please contact the bank's official customer service or go to the bank counter to confirm as soon as possible

2. Reasons for the bank card to be frozen

1. The bank card is frozen. If the credit card is frozen, it may be due to abnormal transactions, such as malicious cash withdrawals, forged information, continuous incorrect passwords, etc., which caused the bank card to be frozen by the bank.

Bank cards that can be overdrafted, banks. The overdraft share will be determined based on the actual repayment ability. When the overdraft exceeds the share, the bank will immediately freeze your bank card.

2. The bank card is a debit card. If it is frozen, it will be frozen by mistake. , which means that if more money is mistakenly transferred to the depositor's account during bank transactions, the bank may freeze the excess part; one is judicial freezing. According to the relevant provisions of the law, the judicial authority can apply to the bank for handling the case. Freezing bank cards. At the same time, customs, tax authorities and other departments also have the right to freeze the card.

3. If the cardholder is suspected of a criminal offense or civil crime, according to the "Procedural Regulations of the Public Security Bureau for Handling Criminal Cases" 200 Article 36 stipulates that the period for freezing deposits, remittances and other property is six months, and the freezing period will be automatically lifted when it expires. However, the public security organs can go through the procedures to continue freezing and extend the freezing period.

4. No matter what it is. For bank cards, if you enter the password incorrectly three times in a row, the bank system will automatically lock the bank card password and you will not be able to use the bank card normally during this period. This situation is similar to freezing, but it will not be automatically lifted after 24 hours.

What text messages will the bank send after the credit card is frozen?

SMS messages may not be sent if the credit card is frozen. It should be based on the regulations of the credit card issuing bank. Under normal circumstances, when applying for a credit card and filling out the application form, there will be instructions on the usage regulations on the back of the form. Usually there will be a clause like "When the bank has a premonition that there is a risk of using the customer's card, the bank may unilaterally suspend or freeze it without notifying the customer." Card" regulations, so it may not be notified.

However, you may also receive a text message from the bank. The format may be similar to "Your Guangfa Bank credit card whose last four digits are XXXX has XXXXXXXRMB consumption records on XXXX on Card, if you know the transaction, please reply to KTEKEXXXX within 3 days to unfreeze it. If you have any questions, please contact Guangfa Bank at 95508."

Under normal circumstances, the bank will not deactivate or cancel your credit card if you do not use it for a long time. You should receive a bill reminder every month, unless the credit card is expired for too long, maybe It will be automatically deactivated.

What to do if you receive a text message from Agricultural Bank of China freezing your card?

Hello, if your account has been frozen or restricted, it may be because the authenticity of the identity information cannot be verified or the involved Caused by judicial freeze and other circumstances. Please go to the nearest Agricultural Bank of China with your ID card and bank card to inquire about the specific reasons.

If it is our bank’s credit card, please call the credit card 24-hour customer service hotline 4006695599 for enquiry.

(Answer time: October 21, 2022. In case of business changes, please refer to the actual situation.)

106980095533 Is it true that 106980095533 sent a text message saying that the credit card has been frozen?

Unable to determine. It is recommended that you contact the card-issuing bank as soon as possible and you will get a satisfactory answer.

A credit card being frozen means that the credit card cannot be used in the near future, usually by the bank. If you fail to repay your balance multiple times or cash out, your credit card will be frozen. It is best to call the bank first to find out why your credit card has been frozen. If it is because there is an unpaid balance, you need to pay it off immediately, and then confirm with the bank that it has been paid off, and the bank will give it to you immediately. Handle credit card unfreezing.

Solutions to credit card freezes:

1. Overdue payments are frozen

Generally, only if the number of overdue payments is too large or the single overdue period is too long The bank will freeze your credit card for a long time. At this time, you need to repay the debt in full and in time. After paying off the debt, call the bank customer service and ask to unfreeze the bank card. Generally, the bank will unfreeze the card, but it may limit the borrowing amount. There is a certain impact.

2. Cash withdrawal records have been frozen

If you have used POSS machines to make large purchases very often, or frequently used credit cards to withdraw cash, UnionPay will consider you If you are suspected of cashing out, your credit card bank will be notified, and the bank will freeze your credit card. This situation is more troublesome than the previous one, because cashing out is a violation. You can provide the bank with your credit card consumption records in the past year. If your credit is good, the bank will unfreeze your credit card.

3. The property is frozen

Because credit cards are also personal property, if there is any property that needs to be frozen, your credit card will also be frozen accordingly. , this situation will have to wait until your lawsuit is resolved before the credit card can be unfrozen, but this situation is generally relatively rare.

Extended information:

Notes:

1. Banks and other financial institutions will not ask for the verification code received by the customer’s mobile phone. If they encounter the so-called official The customer service staff asks you for a verification code, which can be directly determined as a numerator. Once you are deceived, you should call the police as soon as possible.

2. Do not disclose personal credit card, password and other information to strangers at will.

3. When receiving a text message similar to "Credit card frozen", you should check with the bank's official customer service as soon as possible, or go to a nearby bank counter for confirmation. Never contact the phone number given in the text message directly. .

4. Do not click on various links in text messages at will, because Trojan viruses may be hidden in them. If you accidentally click on a link, an interface for inputting and password will appear, and do not enter personal information.

That’s it for the introduction of credit card freezing text messages.