Can I freeze my credit card?

Yes. If you want to freeze your credit card, you must bring your ID card to the counter of the credit card opening bank to apply for freezing. Only then can you freeze it. If you have a credit card app installed on your phone, you can also apply for freezing directly on your phone.

Materials required to apply for a credit card:

1. Applicant’s personal ID card;

2. Application form for credit card from the bank;

3. Proof of employment and income certificate stamped with the financial seal of the unit;

4. Individual private operators need an individual business license and tax returns for the past three months;

5. Others Proof of financial resources: income tax withholding voucher; copy of own property certificate; copy of own car driving license.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts review, card printing and issuance;

5. After I get the card, I open it and wait for the password letter. .

First of all, there are many classifications of personal loans. Here we only classify them based on whether there is collateral, and they are divided into mortgage loans and unsecured credit loans. The following is a simple analysis and explanation of the two types of loans:

1. Unsecured credit loans, which we refer to as credit loans, are pure credit loans issued by banks to individual customers based solely on the nature of the unit, punch-in salary, social security provident fund, etc. This will also derive a consumption The concept of loan, of course, there is no direct difference between the two concepts.

2. Mortgage loans, here mainly refers to house mortgage loans, of course, there are also vehicle mortgage loans, etc., which will not be described in detail here. Mortgage loans are divided into two types: mortgage business loans and mortgage consumer loans. The amount of mortgage consumer loans generally does not exceed 1 million. Mortgage business loans refer to using personal houses to apply for loans for company operations. As the name suggests, you need to have a company in your own name or in the name of your immediate family members. Immediate family members include husband and wife, parents, children, brothers and sisters, etc. Mortgage loans can also be divided into first offset and second offset based on whether there is a mortgage. In other words, those with mortgages are called second offsets. Let’s take a look at how to operate a mortgage business loan:

Valuation, based on the property cost, the appraisal agency will conduct a valuation to roughly calculate the amount that can be loaned, the interest rate, the term, etc. For the interview, go to the bank for the interview, and you need to provide the house book and other relevant materials. If you don't have a company, you can start operating the company, such as changing shareholders or legal persons, or registering a new company, etc. Of course, the specific requirements will depend on the bank's requirements. The bank approves the loan, and after the loan is approved, the property is mortgaged, notarized, etc. The loan is disbursed and the loan processing is completed.

How to freeze a credit card in the hands of others

If a user wants to freeze his or her credit card, he or she can directly call the credit card customer service hotline of the corresponding bank, and then transfer to the manual customer service and explain himself to the customer service Regarding the current situation of the credit card, ask customer service to help freeze the credit card as soon as possible to avoid unnecessary financial losses.

Of course, users need to pay attention to the fact that some banks’ credit card freezing time is relatively short, so when consulting customer service, you should ask clearly about the freezing time.

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.

Application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply to the card-issuing bank. Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Cancellation

Before canceling a credit card, the account balance must be cleared. The entire process of canceling the card must be completed within 45 days after the application is submitted.

What does blocking a credit card mean? How to seal it?

Credit card blocking means that the credit card is frozen and can no longer be used. It is blocked by the bank.

There are usually reasons why a credit card is blocked. One is that the credit card is risky, the other is that the credit card is considered cashed out by the bank, and the other is that the credit card is overdue.

There are risks. For example, if you often spend money in China, but suddenly a large overseas transaction occurs, the bank will think that there is a risk of being swiped. In order to reduce losses, it will block the card. Overdue card blocking may be due to non-payment for three consecutive months, being on the bank's blacklist, or the account being used for illegal activities such as fraud, terrorist financing, etc.

Extended information:

Notes:

1. After blocking a credit card, you must repay it in full at once.

2. If the credit card is frozen due to overdue credit card, the overdue amount should be repaid as soon as possible;

3. After paying off the credit card balance, the cardholder can call the bank’s credit card customer service Center, explain the situation, and usually the bank will unfreeze it.

4. From now on, cardholders must repay every installment on time to avoid overdue payments.

5. If the bank thinks that the credit card has been erroneously blocked due to cashing out, you can go to the bank branch to submit your supporting materials, such as credit card payment notes. The blocking can usually be unblocked after presenting the supporting materials.