My CCB credit card has been suspended, what’s going on?

With the continuous development of social economy, more and more people are applying for and using credit cards. The more people use it, the more problems will arise. A friend asked me, my CCB credit card has been stopped if it is not overdue. What is going on? In fact, there is more than one reason for credit card suspension, let’s find out together!

My CCB credit card has been suspended, what’s going on?

1. Transaction Abnormality

When a cardholder uses a credit card, multiple and large transaction bills suddenly appear, which is considered a transaction abnormality. On the one hand, in order to ensure the security of cardholders' credit cards, and on the other hand, in order to ensure the security of their own funds, banks will conduct risk control and choose to suspend the card.

If the cardholder spends too much money at some merchants that are restricted by the bank, the bank will also suspect that the cardholder is withdrawing cash. In order to ensure the safety of funds, the bank will directly process the cardholder's credit card. Card suspension processing. In fact, most of these restricted merchants have been blocked by banks. If cardholders make large purchases, they must remember to keep the receipts.

2. Other reasons

Although a bank is a financial institution and most operations are performed using big data and systems, banks can also make mistakes. Some cardholders' credit cards may have been suspended due to bank system failures, expiration of the credit card's expiration date, or other reasons.

Cardholders can call for consultation after their card is suspended. After understanding the detailed reasons, they can explain it to the bank and ask the bank to re-freeze the credit card.

The above is the sharing of relevant content about "the CCB credit card that has not expired has been stopped". I hope it can help everyone!

Why will my Bank of China credit card be suspended?

My bank's credit card may be suspended due to the following reasons:

(1) Our bank's work When the staff is checking the transaction with you on the phone, if the staff refuses to acknowledge the transaction/refuses to cooperate with the verification/the contact information is invalid/the card is used by someone else, the staff will stop paying the card;

(2) Occurrence The situation of overdue repayment;

(3) The local branch stops payment of the card after comprehensive evaluation;

(4) A transaction is denied and the customer takes the initiative to call the customer service hotline to apply for stop payment.

The above content is for your reference, please refer to actual business regulations.

My credit card is not overdue, why is it suspended?

1. It is possible that you are under risk control. If you have made any unusual purchases recently, you can first contact the customer service of the Credit Card Center for details.

2. If it is confirmed that there is no illegal operation, the data can be restored as required.

3. It may be caused by an overdue credit card. Overdue credit cards will be included in the personal credit system. The overdue amount should be made up as soon as possible. The bank will lift the restriction after repayment.

1. 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 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.

2. Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as 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 CreditCard.

3. 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 credit card in which the cardholder can A quasi-credit card that deposits a certain amount of reserve fund and can be overdrafted within the specified credit limit when the reserve account balance is insufficient for payment. The so-called credit card generally refers to a credit card only.

This is the end of the introduction to why credit cards are suddenly suspended.