1. High risk items are frozen. Many cardholders engage in high-risk behaviors when using their cards, such as entering incorrect passwords multiple times, making purchases at home and abroad, or at places of consumption that are different from usual, etc. Once these behaviors are detected by the system, in order to ensure the cardholder's use Card security, the credit card application platform may also freeze the credit card.

2. Cash out is frozen. The credit card risk control system will monitor the cardholder's card usage behavior at any time, and will also take freezing measures if a cardholder's transaction is found to be abnormal.

3. It will be frozen if it is overdue. To put it simply, if the payment is overdue for more than 90 days, the credit card application platform will freeze the credit card to avoid further increase in the bad debt rate. The cardholder needs to pay off the money before calling to unfreeze it. The bank will ask for the reason. The cardholder needs to give a reasonable explanation and prove that it is caused by some force majeure factors before the cardholder can unfreeze it.

4. The password is entered incorrectly. When using a credit card for transactions, you need to enter the transaction password. Generally, you will have three opportunities to enter it. If the user enters incorrectly three times, the credit card will be temporarily frozen and cannot be used.

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A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

The credit card stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on lt; the People's Republic of China and the Criminal Law of the People's Republic of China; and the relevant provisions on credit cards") refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card issued by an institution with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

Reference: Credit Card-Baidu Encyclopedia