What to do if your Ping An Bank credit card is blocked?

If your Ping An Bank credit card is blocked, you need to apply for unfreezing.

If your card is blocked because of overdue repayment, you must repay the loan as soon as possible; if your card is blocked because of illegal cashing out, there is basically no possibility of unfreezing; if it is due to other reasons If your card is blocked, you can directly call: 95511 ext. 2 and contact customer service for manual feedback and verification. If the situation is not serious, the credit card will naturally be unfrozen after the bank processes it.

You need to take the initiative to unfreeze your credit card. If the card is suspended due to serious circumstances, it is recommended to cancel the card and apply for another bank credit card, because you may have been included in the "blacklist" by the bank, 1 to 2 It is unlikely that banks will accept your re-application during the year.

Extended information:

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 (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Advantages

Compared with ordinary bank debit cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, as long as there is no cash in the card, Just return the amount spent.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and 2 handling fees, ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

What should I do if my Ping An credit card is frozen?

There are different situations where Ping An’s credit card is frozen, and the solutions are also different. The specific methods are as follows:

1. If you apply to the bank to freeze the card yourself, you only need to submit an application to the bank to unfreeze it.

2. If it is frozen due to improper usage, it will take a period of time to maintain the card, and then apply to the bank for unfreezing.

3. If there is suspicion of cashing out and the bank's risk control has caused the card to be frozen, you need to print out the recent consumption details of the credit card and then submit the details to the bank for review to unfreeze the credit card.

It is worth mentioning that if the cardholder chooses to freeze manually, he needs to call the customer service hotline and apply for unfreezing. Having a credit card frozen does not mean that there is a stain on your credit, and it will not show up in your credit report. However, overdue exceptions are excluded. If you make three late payments on your credit card three times in a row, a cumulative six times, it will leave a bad record on your credit report.

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the basic functions of credit cards such as credit consumption and cash advance, it also has Many special functions provide cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

Ping An Bank Credit Card Center was established in 2000 and settled in Qianhai, Shenzhen in 2015. It was upgraded to a credit card franchise with secondary legal person qualifications and relatively independent operations.

Ping An Bank is one of the main business departments of Ping An Group of China and an important part of the comprehensive financial service platform of Ping An Group of China. As a joint-stock commercial bank operating across regions, Ping An Bank has a registered capital of RMB 5.461 billion and total assets of over RMB 130 billion. Its head office is located in Shenzhen[1], and its business outlets are located in Shenzhen, Shanghai, Fuzhou, Quanzhou, Xiamen and Hangzhou. Waiting places.

No matter where you are, you can enjoy considerate and exquisite VIP services, allowing you to feel relaxed and enjoy your travels on every journey. At the same time, you can enjoy special merchant discounts according to the Shenzhen UnionPay VIP Club logo on the back of the Wanli Tong co-branded card, and experience a variety of wonderful well-known merchants, including food, hotels, shopping, SPA, car rental and other services, showing the ultimate in nobility. Taste of life.

What should I do if my Ping An Bank credit card is locked?

If your transaction password is locked, you can call Ping An Credit Card’s manual customer service to apply for unlocking. The customer service can unlock and reset your password after verifying your identity.

Credit cards generally have two passwords:

1. Inquiry password: used to log in to online banking or telephone inquiries;

2. Transaction password: used for credit cards Spend by swiping a card or withdrawing cash from an ATM (of course, there are also those that do not have a transaction password and only rely on signatures for consumption).

What should I do if my Ping An Bank credit card is frozen?

If your Ping An Bank credit card is frozen, you must first find out the reason why the card is frozen and then find a solution. Common causes and solutions The method is as follows:

1. Apply to the bank to freeze the card yourself. You need to bring your bank card ID to Ping An Bank to apply for it or directly call Ping An Bank's 24-hour customer service hotline to apply for unfreezing, and the bank will unfreeze it for you.

2. Ping An Bank’s credit card has been frozen due to improper usage, such as overdue use. Then you need to pay off the debt as soon as possible, then take good care of your credit, and then apply to the bank for an unfreeze after a period of time. The bank will review you, and if you pass the review, the card will naturally be unfrozen. Of course, some people have extremely serious overdue circumstances. In this case, it will be difficult to unfreeze the card after it is frozen.

3. There was suspicion of cashing out, and the bank’s risk control resulted in the card being frozen. You can print out the recent consumption details of your card and submit the details to the bank for review to prove that you have not cashed out. Once the bank approves the application, your credit card will be unfrozen.

Of course, if you do arbitrage, it will be difficult to unfreeze the card.

The above is about the reasons and solutions for how to unlock the Ping An Bank credit card that is frozen. I hope it will be helpful to everyone.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder 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 appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Main features

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and meet social needs.

Financial Management Strategy

1. Control the number of credit cards and only have enough.

Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered and it is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.

2. Keep the credit card receipts

Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. And many people do not set passwords on their credit cards. Discarding the credit card credentials at will may lead to theft of the credit card.

For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.

3. Reduce cash withdrawals

Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use or use it as a passbook.

How to unlock a Ping An Bank credit card that has been locked after entering the wrong password?

After the Ping An Bank credit card transaction password is locked, it will be automatically unlocked after running the system that night, and the number of errors will be cleared at the same time. Zero, less than 3 times will not be cleared; or you can call Ping An Bank's 24-hour customer service hotline 95511-2 and be transferred to manual customer service to reset the transaction password.

How long does it take for a frozen Ping An credit card to be restored

Situations vary, and the slowest time depends on the situation.

1. The password is locked

The password is temporarily locked and will be unlocked automatically after 24 hours of thawing.

2. Permanent freezing

1. Password issues

If the password is permanently frozen, you can apply by phone or online, and it will take about a week to unfreeze it.

2. Overdue debt

If the debt is overdue, the cardholder needs to pay off all the debt within a short period of time, and then apply for unfreezing. This depends on the cardholder's repayment. It depends on the payment time. If the debt is not paid, it cannot be unfrozen.

3. Violation issues

If you make unreasonable purchases or withdraw cash, your account will be permanently frozen, blacklisted, and permanently prohibited from applying for a Ping An credit card. Unfreeze has no effect.

Solution

1. Repeated or malicious overdue repayments on credit cards

For overdue repayments on credit cards, the bank will charge interest and liquidated damages. When the overdue situation is serious, This may result in your credit card being frozen and reported to the central bank for credit reporting. Some cardholders fail to repay on time after using their credit cards, are overdue for a long time or have a large overdraft amount. The card issuer will freeze the credit card if the payment fails.

Countermeasures: You should make up all the overdue amount, and then call the bank’s credit card center to explain that you are not maliciously overdue. If the overdue situation is caused by some special circumstances, or the overdue situation is not particularly serious, the bank will unfreeze the credit card.

2. Illegal card use

After issuing a card to a user, the bank will supervise the use and transactions of the credit card. If the cardholder conducts illegal operations, such as illegal cash out, Instead of withdrawing cash from credit cards through normal channels, they use false transactions to swipe credit cards at illegal POS machines, and withdraw the overdraft limit from the credit card and use it as cash. The bank's risk control and data model can easily detect it. After the bank finds out that it is true, it will reduce or freeze the credit card.

Countermeasures: You can provide the bank with recent credit card consumption vouchers and consumption invoices to prove that you have not cashed out, and ask the bank to unfreeze. We remind everyone to use the card normally and pay attention to the number of card swipes and the credit limit.

3. Abnormalities such as lost or stolen credit cards

When a cardholder loses his or her credit card, in order to avoid losses, the cardholder will proactively call the bank to request a temporary freeze on the credit card.

If the cardholder’s credit card has risky transactions that are suspected of being stolen, such as multiple consecutive large-amount integer card payments, overseas website or offline consumption transactions, simultaneous card payments in two places, etc., then the bank will consider If the credit card is used abnormally, the bank will actively freeze the credit card to prevent the safety of the credit card funds.

Countermeasures: Don’t worry if it is confirmed to be fraudulent. Contact the bank immediately to apply for card freezing and order adjustment. After the matter is resolved, change the bank card again and change the password at the same time.

4. POS machine code hopping

Consumption code hopping phenomenon, for example, a cardholder lives in Shanghai and spends a transaction of 100 yuan in a store, and the other party uses a special POS machine to settle the payment , then it is very likely that the receipt for swiping the card shows that the merchant who swiped the card is in another city; or it is obvious that you ate at a restaurant, but the receipt for swiping the card shows that the transaction type is real estate. Such situations are easily blocked by bank monitoring.

Countermeasures: Contact the bank proactively, ask about the reason for the freeze, confirm that it is caused by code hopping, provide consumption receipts, obtain bank support, and apply for unfreezing.

5. Suspected economic lawsuits or cases

If economic judicial cases are involved, the relevant departments may directly freeze the cardholder's credit card account without notifying the cardholder if necessary.

Countermeasures: Prioritize handling of judicial cases, and then negotiate with the bank to apply for unfreezing.

This concludes the introduction on what to do if a Ping An credit card is locked and how to lock a Ping An bank card. Have you found the information you need?