Yes. If the cardholder has not paid off the credit card balance, he should pay off the balance in time, call the bank customer service and explain the situation truthfully, and the credit card will usually be unfrozen. If the user has an overdue problem, after paying off the debt, he can call the bank's manual customer service to apply for unfreezing or go to the bank counter with his ID card and credit card to apply for unfreezing. If the user's bank card is frozen due to some illegal operations of the user, such as cashing out, in this case, the user needs to go to the local judicial authority for resolution.

: If the cardholder fails to pay off the credit card balance, he should pay off the balance in time, call the bank customer service and explain the situation truthfully, and the credit card will generally be unfrozen. If the card is overdue multiple times, the bank will first ask the cardholder to pay off all outstanding debts including interest. If the circumstances are serious, the bank may also cancel the card.

1. Suspected cash-out is frozen

The situation of cash-out is more troublesome. If the bank identifies the cardholder for cash-out, the card generally cannot be unblocked. But if there is evidence to prove that it is not you who cash out, but there is a problem with the merchant's POS machine, the credit card center may also unblock it. At this time, the bank may ask the cardholder to provide a receipt or recall the card swiping situation.

So it is best for cardholders to keep a good record of each "consumption". If there is a receipt, keep the receipt (or invoice) for bank inquiries. The bank will verify and confirm that it is not a cash out. You thaw.

2. Credit card is frozen due to fraudulent use

If the card is stolen, you must contact the bank as soon as possible after losing the card and apply for freezing. After that, the card-issuing bank will help cancel the customer's card. It will issue a new card to the customer and check whether the funds have been cleared from the card-issuing bank. If not, they will be intercepted. So don’t worry about this one.

3. The set code and jump code of the Erqing POS machine are frozen

Be sure to pay attention here at the Erqing POS machine: check the bank’s notification text message when swiping the card to see if there is any abnormality. If it prompts If the merchant name is inconsistent with the actual name, the code will be skipped. At the same time, if it prompts consumption in a different place, the code will be skipped. When this happens, please bring your credit card invoices, receipts and other information to the bank to explain the situation and apply for unfreezing.

Reasons for credit card freezing

1. Overdue repayment

When the cardholder is overdue or the overdue amount reaches a certain amount, the bank will consider holding the payment. The cardholder's malicious overdraft consumption behavior and continuing to provide revolving credit are very risky and will unilaterally terminate the use of the credit card. That is to say, the cardholder will find that his/her credit card is frozen and cannot be used.

2. Suspected of cashing out

If you often use POS terminals to make large purchases or frequently withdraw large amounts of cash, especially if you use cap machines to withdraw cash, UnionPay will doubt your credit and the bank will Lower your credit limit. If the situation is serious, your card will be blocked directly.

3. Credit card swiping

This situation is the cardholder’s own choice. When the credit card is lost or stolen, in order to prevent losses caused by slipping, generally the cardholder can Ask the bank to freeze the credit card issued by the credit card. In some cases, the sending bank can freeze the credit card holder's active status.

4. Double clearing POS machine set codes and code hopping

Usually, "double clearing machines" are hung under large single clearing merchants and sell double clearing machines nationwide. machine, directly leading to the diversification of credit card consumption places for cardholders. From a bank's perspective, spending on one credit card in different cities on the same day can easily be considered a swipe or cash. At this point, the credit card will be easily blocked.

5. Other freezing conditions

Forgot the password. The credit card transaction password has been frozen due to continuous incorrect input, and you need to call the customer service hotline to unfreeze it. The property was frozen by the court. This situation is not common and is even worse for those who have had their credit cards frozen or confiscated due to property disputes.