China Construction Bank has frozen my credit card. What’s going on?

Once a bank freezes an individual's credit card, it is likely that the credit card used by the individual has violated regulations due to some personal reasons, so the bank's backend detects and then freezes it, or it may be the bank's backend. It was detected that the status of my credit card was abnormal and I was afraid of losing funds, so I automatically froze it. Therefore, there are many reasons why a bank freezes an individual's credit card account. If you want to know why the bank has frozen your credit card account, you must go to the bank's counter to inquire about the reason for the freeze. Only then will you know why your credit card is frozen. If it is frozen, you can correct it in time only after you know the reason, and unfreeze your credit card as soon as possible.

After your credit card is frozen, you must not be anxious, because the capital account is frozen at this time and there is no way to use it. At this time, if you have business dealings with others and need to make payments, Never choose a frozen credit card, because there is no way to pay with a frozen credit card at this time. Never think that your credit card will be automatically lifted due to time reasons after being frozen. Once many credit cards are frozen, you must The person who wants the account will go to the bank to find out the reason and then solve the problem. Only after the problem is solved can the credit card freeze be automatically released.

So when we use credit cards, we must use them correctly. Never lend your credit card to strangers or friends. Sometimes you can’t use it after lending it to others because of your goodwill. Pay off the debt owed. In this case, the bank will also choose to freeze the personal account to urge the individual to repay in time. The bank will never exempt itself from the debt owed by lending a credit card to others, no matter who owes it. The balance owed in the credit card needs to be paid back by the cardholder himself, so when using the credit card, you must use it correctly and do not cause damage to your own funds due to your own wrong operations.

The CCB credit card has been frozen. What happened?

Reason 1: CCB credit card fails to repay on time

If a CCB credit card holder fails to repay on time for more than three consecutive months, CCB has the right to freeze the credit card. Although the overdue credit card has been frozen, late payment fees and interest still exist.

Reason 2: Abnormal CCB credit card transactions

If CCB believes that the credit card transaction is abnormal and the bank considers the safety of the cardholder, it will freeze the credit card, resulting in the credit card being frozen. For example, a friend of the editor was recently hospitalized and swiped large amounts of money on his credit card several times. The bank thought that the editor's friend maliciously swiped the card to withdraw cash, and froze his credit card. Of course, criminals make credit cards insecure.

1. CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are called "Dragon Cards", including Dragon Card, prestigious school card, Dragon Card business card, Dragon Card car card, etc. Starting from August 1, 2017, annual bank card management fees will be cancelled, and basic service charges for some commercial banks’ financial services will be suspended. On April 22, 2019, China UnionPay released the "China Bank Card Industry Development Report (2019)". On August 15, 2020, Baidu, Baixin Bank, and China UnionPay jointly launched the first domestic digital bank card-Baidu Flash Card. On August 31, China UnionPay released its first digital bank card “UnionPay Card”.

2. No annual fee policy: The annual fee for the next year will be waived if you swipe the card 3 times or 18 times for the Standard Gold Card (excluding special cards such as business cards and car cards)

3. Cash withdrawal handling fee: 5‰ of the domestic transaction amount, with a minimum of 2 yuan and a maximum of 50 yuan; overseas: 3% of the transaction amount, with a minimum of 3 US dollars.

4. Multi-account management: The credit limit is applicable to multiple CCB cards, and the same account has independent daily repayments

5. Online payment: Alipay: You can use it after registering online. Single-day purchase limit is 500 yuan.

6. Installment business: Support interest-free installments (three, six, and twelve installments) for specific merchants. After a single consumption reaches 1,000 yuan, you can apply for installments (3, 6, 12, 18, 24 installments) by phone. Each period will generate different handling fees based on the number of installments.

On December 2, 2019, the 1785th meeting of the Supreme People's Adjudication Committee passed the "Supreme People's Provisions on Several Issues Concerning the Trial of Bank Card Civil Cases", which will be effective from May 25. In 2021, it will be clarified that if the user's bank card is stolen , prove that you are not responsible and can claim compensation from the bank.

7. Billing day: There are multiple billing days every month. Cardholders can change it once a year during the validity period of the card

8. Currency: RMB, RMB/USD, RMB/EUR

How long does it take to unfreeze a CCB credit card? Depending on the reason for freezing

Credit cards can be overdrawn for consumption in advance, which brings a lot of convenience to people's lives. Many people have their credit cards frozen due to various reasons during the use of their cards, and they must unfreeze them if they want to resume the use of their credit cards. Different banks have different processing times for credit card unfreezing. Here is an introduction to how long it takes to unfreeze a CCB credit card.

According to what we know, the unfreezing time of CCB credit cards depends largely on the reason for the freezing. In other words, the reasons for being frozen are different, and the unfreezing time is also different. As we all know, there are roughly three reasons why CCB credit cards are frozen, one is overdue, the other is risk control, and the other is abnormal card status.

1. Overdue credit card:

The only way to unfreeze is through repayment, but it does not mean that it can be unfrozen immediately after repayment. This needs to be based on your overdue repayment. It depends on the time. CCB mainly uses 90 days overdue as the dividing line to divide it into two situations.

Generally, if you repay within 90 days of overdue payment, as long as the minimum repayment amount is paid, the system will automatically unfreeze the card, but it will take 3 to 7 working days; if the repayment exceeds 90 days, You must pay off all the arrears. After paying off, you need to submit an unfreezing application to the bank, and the bank will decide whether to unfreeze it based on your actual situation.

2. Credit card is under risk control:

This is mainly caused by cashing out. If you are not cashing out subjectively, you can call the China Construction Bank Credit Card Customer Service Center to explain the situation and apply for unfreezing of the credit card. .

CCB may ask you to provide consumption vouchers, such as credit card receipts, etc. If you cannot provide them, the possibility of unfreezing is relatively small. If you can provide them, it will usually take 3 to 7 working days to unfreeze.

3. Abnormal card status:

For example, if your credit card is stolen and the bank finds that the card status is abnormal, it will temporarily freeze your credit card to reduce losses. In this case, you can directly call China Construction Bank Credit Card to request for unfreezing. Generally, it will be unfrozen after the bank processing is completed.

The above is the relevant introduction to "How long does it take to unfreeze a CCB credit card?" In short, the unfreezing time of a CCB credit card is related to the reason for being frozen. It is best for everyone to try to avoid the situation where the card is frozen. After all, it takes time to process. It takes time, and there is no guarantee whether it can be defrosted.

The CCB bank card was suddenly frozen. What happened?

There may be two reasons why the Jianshe Bank Card is suddenly frozen. One is that the personal identity information bound to the bank card has expired and needs to be updated in time; the other may be that your bank card account is involved in illegal activities. The transaction was frozen by the public security organs.

If the China Construction Bank Card is suddenly frozen, it may be that your personal identity information has expired, or your bank card information has expired. You need to update or complete it in time. If the information If it expires for a long time and you fail to update it in time, it will be temporarily frozen. Another example is if your personal identity information ID card has expired, the bank will remind you to complete or update the ID card information within a month, otherwise your account transactions will be restricted. You may be in a state where you only receive but do not pay. You can transfer money into it, but you cannot get the money out. There may even be a situation where it is completely frozen and cannot be used for transactions. Because your personal identity information has expired, there is no way to guarantee your security. This person still fully exists. You need to update your new identity information. It won't take long.

Another possibility is that your bank card account is involved in illegal transactions, such as online gambling, transnational crimes, etc. This kind of transnational crime generally involves very troublesome things. For this reason, the card has been frozen by the public security agency, and the freezing time will be at least half a year. If the case is not solved, your card may have been frozen forever. When encountering that kind of bank card that is frozen, it is frozen by the public security department, especially If it is frozen by the criminal investigation brigade in another place, then you should not think that you can solve it personally, because if this case can be solved easily, there is no need to block your bank card.

: If you let the bank If your credit card is frozen, you need to know the reason why the credit card is frozen. Once you know the reason, you can freeze the credit card according to the corresponding method.

1. Suspicion of cash-out resulting in freezing - large consumption, or frequent large-amount cash withdrawals. If UnionPay has doubts about your credit due to frequent use of POS machines for large purchases or frequent large-amount cash withdrawals, UnionPay will notify the bank that it is suspected of cashing out of your account. The credit card will be blocked on the grounds of suspected cash withdrawal.

2. Repeated late repayments - multiple defaults. If you make multiple late payments, the bank will consider you unable to repay and freeze your credit card. At this time, if you repay the loan in full and call customer service to ask for an unfreeze, the credit limit may be reduced. However, if the number of overdue payments is not many, customer service will generally unfreeze the loan.

3. The property is frozen. If property is frozen or confiscated due to various reasons, credit cards will also be frozen.

Why was the China Construction Bank Card frozen?

The reasons are as follows:

1. Suspicion of cash out leading to freezing - large consumption, or frequent large cash withdrawals. If UnionPay has doubts about your credit due to frequent use of POS machines for large purchases or frequent large-amount cash withdrawals, UnionPay will notify the bank that it is suspected of cashing out of your account. The credit card will be blocked on the grounds of suspected cash withdrawal.

2. Repeated late repayments - multiple defaults. If you make multiple late payments, the bank will consider you unable to repay and freeze your credit card. At this time, if you repay the loan in full and call customer service to ask for an unfreeze, the credit limit may be reduced. However, if the number of overdue payments is not many, customer service will generally unfreeze the loan.

3. The property is frozen. If property has been frozen or confiscated due to various reasons, credit cards will also be frozen

China Construction Bank, as the earliest state-owned bank in China to issue credit cards, already has many types of credit cards.

The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Cup) Tennis Card.

The CCB Silver Star International Money Transfer Service is a personal international money transfer service jointly launched by China Construction Bank and Silver Star International Money Transfer Company. Personal overseas foreign exchange remittance or small-amount international remittance business that remits personal foreign exchange funds overseas.

While consolidating traditional business advantages, emerging businesses such as investment banking have developed rapidly, achieving revenue of 3.203 billion yuan in 2008. By promoting corporate initial public offerings and refinancing, mergers and acquisitions, equity investments, project financing, etc. The new financial consulting business continues to expand financial consulting customers such as AA-level and above customers, multinational companies, foreign banks, large and medium-sized enterprises, etc. Only the financial consulting business achieved fee income of 2.377 billion yuan, an increase of 165.10%. A series of financial products tailored for small businesses continued to be introduced. By 2008, the bank's small business loan balance reached 249.532 billion yuan, an increase of 11.16% from the beginning of the year.

We cooperated with Alibaba to develop products such as e-commerce joint loan and guarantee, Quick Loan and order financing, and issued loans of 520 million yuan to 175 customers within half a year. It was the first among its mainland counterparts to create a "customer reception day" system, and established a mechanism for managers at all levels from the head office, branches to sub-branches to regularly receive customers, making progress in personalized and differentiated customer services.

On the one hand, branch transformation has been steadily promoted; on the other hand, a team of private banking consultants and experts has been established, and 81 wealth management centers and more than 1,570 financial management centers have been built. Beijing and Shanghai private banks have successively opened to provide exclusive financial products for mid-to-high-end customers. Comprehensive and personalized services such as asset management, consulting, and charitable trusts.

In serving the Olympic Games in 2008, in addition to actively handling foreign-related financial services such as foreign currency exchange, traveler's checks and foreign currency acceptance, it also launched the 95533 multi-lingual telephone banking service function to provide overseas customers with English, French , German, Russian, Japanese, Korean and other multi-lingual service support, and strive to improve the ability and level of serving overseas customers in China. At the same time, the mutual fee-free ATM cash withdrawal service developed in cooperation with Bank of America allows athletes and tourists holding Bank of America debit and credit cards to enjoy fee-free cash withdrawal services at CCB ATMs.

What should I do if my CCB credit card is frozen? This is the right thing to do!

Having your credit card frozen is something that every cardholder does not want to happen. After all, a frozen credit card cannot be used by swiping or withdrawing cash. It must be unfrozen. However, each bank has different handling methods after a credit card is frozen. Here we will take China Construction Bank as an example.

Many cardholders don’t know why CCB’s credit cards are frozen. In fact, there are only two reasons. One is due to the credit card being overdue, and the other is due to risk control due to illegal use of the card. It is easier to deal with the freezing of credit cards caused by the first reason. In the next month, you have to produce consumption vouchers to prove that you are using the card normally, and many people are unable to provide relevant receipts, which is more troublesome.

Here, we will introduce what to do if your CCB credit card is frozen due to overdue payment.

There is a time period for the overdue credit card of CCB to be frozen. Generally, it will not be frozen if it is overdue for more than 3 days. However, the bank system will automatically control the limit of the cardholder's credit card. For the time being, it can only Use 50% of the credit limit; if it is overdue for more than 60 days, you cannot use the card; if it is overdue for more than 90 days, the bank will forcefully suspend the card and freeze all accounts in the cardholder's name.

If you want to unfreeze a frozen CCB credit card, you must repay within 90 days of overdue payment. It is best if you can repay in full. If you cannot repay in full, as long as you pay the minimum repayment amount, the system will Unfreeze the credit card and restore the entire credit limit; if it is overdue for more than 90 days, you must pay off the balance in full and then submit an unfreeze application to the bank. China Construction Bank will handle it based on the actual situation of the cardholder and may give you Thawed, and probably won't thaw.

In short, if the CCB credit card is frozen, it will be troublesome to deal with it, so everyone must prevent this situation from happening at the root, repay the loan on time every month, and do not use the card illegally, and maintain good credit. The habit of using credit cards can not only develop a good credit record, but can also add points to your credit limit.

This is the end of the introduction on why China Construction Bank freezes credit cards and why CCB freezes credit cards for normal repayment with the card. Did you find the information you need?