There are many reasons why Agricultural Bank of China credit cards are frozen, and the solutions are different. It is recommended that the card owner bring his valid ID and debit card to any Agricultural Bank of China branch to verify the specific reasons, and then look for a way to unfreeze the card. way.

Generally, the reasons for being frozen are as follows:

1. Overdue repayment. When the cardholder is overdue or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious intent. The risk of continuing to provide revolving credit due to overdraft consumption is very high. The use of the credit card will be terminated by unilateral use, that is, the cardholder will find that his or her credit card has been frozen and unable to make purchases.

2. Suspected cash out If you frequently use POS machines to make large purchases, or frequently withdraw large amounts of cash, especially using capping machines, UnionPay will doubt your credit. Therefore, the bank will reduce your credit card limit, and in serious cases, it will be frozen directly.

3. Credit card swiping is the cardholder’s choice. When a credit card is lost or stolen, in order to prevent losses caused by theft, the cardholder will generally ask the card issuer to freeze the credit card. In some cases, the card issuer will proactively block the credit card for the cardholder.

4. Second clearing POS setting code and skip code. Usually, the "second clearing machine" is hung below the first clearing merchant. The large merchants sell the second clearing machine nationwide, which directly leads to Diversification of credit card consumption places for cardholders. In the eyes of banks, spending on the same credit card in different cities on the same day can easily be regarded as theft or cash out. At this point, the credit card will be easily frozen.

5. Other freezing situations Forgot password. If your credit card transaction password is frozen due to consecutive input errors, you need to call the customer service hotline to unfreeze it.

How to unfreeze

1. If the overdue payment is frozen and the cardholder fails to pay off the credit card debt, he should repay the loan in time and call the bank customer service to explain the situation truthfully. Generally speaking, The credit card should be unfrozen next. If the card is overdue multiple times, the bank will first ask the cardholder to pay off all outstanding balances, including interest. In serious cases, the bank may also cancel the card.

2. Suspected withdrawal freeze. Withdrawing cash is very troublesome. If the bank recognizes the cardholder's withdrawal, the card cannot be opened. However, if there is evidence that it is not you who withdraw the cash, but that there is a problem with the merchant's POS machine, the credit card center may also be unblocked. At this time, the bank may ask the cardholder to provide a receipt or recall the card swiping situation. Therefore, it is best for cardholders to record every "consumption". If you have a receipt, please keep the receipt (or invoice) for bank inquiries. After the bank verifies it, if it is confirmed that it is not a cash withdrawal, the bank will unfreeze it for you.

3. Credit card swiping is frozen. If the card is stolen, you must contact the bank as soon as possible to apply for freezing when the card is lost. Then the card issuing bank will help cancel the customer's card and replace the customer with a new card. Also, check whether the funds have cleared from the issuing bank. If not, it will be intercepted. So we don't have to worry about that.

4. The setting code and skip code of the Second Clearance POS machine are frozen. Notes for the Second Clearance: Check the bank notification text message for any abnormalities when swiping the card. If the merchant name prompted is inconsistent with the actual name, it is a code skip. At the same time, if it prompts consumption in different places, it will also skip the code. After this happens, please bring your credit card invoices, receipts and other information to the bank to explain the situation and apply for unfreezing.