There are three main reasons for freezing credit cards:

1. Overdue repayment: If the credit card is overdue for a long time, the bank will generally assume that the cardholder has malicious overdraft behavior and will have a high credit risk, and will generally unilaterally terminate the use of the credit card.

2. Suspected cash withdrawal: If the cardholder frequently uses POS machines for large-scale consumption or cash withdrawal, the bank will doubt the cardholder's credit and generally freeze it.

3. The credit card is stolen: When the credit card is lost or stolen, in order to prevent the loss caused by theft, the general cardholder will ask the card-issuing bank to freeze the credit card. In some cases, the card-issuing bank will take the initiative to freeze the credit card for the cardholder.

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Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.

Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.

High interest If you can't get a credit card and can't repay on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft amount in the current month)

Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.

What do you mean the credit card is locked?

The most common reason why credit cards are locked is the wrong password. Once the password is entered incorrectly for more than 3 times, the credit card will be locked.

(1) Once the credit card is overdue for 2-3 months, the bank will also lock it;

(2) Once the bank's risk control system detects that the cardholder has cashed out, it will lock its cashed out bank card.

1. Due to the incorrect password entered more than 3 times during login, online banking will temporarily seal the cardholder's bank account. Generally, you can return to normal the next day, and then enter the correct password to log in;

2. If the credit card is locked due to too many wrong passwords when withdrawing money or inquiring at the ATM, you can only go to the bank counter to find the bank staff to reset or retrieve the passwords;

3. When the credit card is locked, you can call the bank credit card customer service hotline to apply for unlocking, and you need to reset the password if necessary. Once the credit card is successfully unlocked, it can be used normally;

4. How to unlock the overdue lock of the credit card:

(1) Repayment is the most important thing for overdue locked credit cards. No matter whether it is full payment, installment or minimum amount, pay back the arrears first.

(2) If the circumstances are not serious, the bank will re-evaluate the cardholder and unlock it;

5. Unlocking method for locking credit card cashing:

If you want to unlock it, it depends mainly on the mood of the bank staff. You can first contact the relevant bank staff to explain the situation, provide the normal historical consumption record of the locked credit card, and apply to the bank to unlock the credit card.

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Precautions for credit card use:

1. Never withdraw cash by credit card:

(1) The so-called cash withdrawal means that the cardholder of the credit card will return the credit card amount to the cardholder in cash after spending by the credit card machine, and deduct a certain handling fee at the same time. Of course, this handling fee is generally lower than the cost of direct cash withdrawal by credit card.

(2) The National Credit Card Law stipulates that cash should be paid directly to credit card holders through fictitious transactions, false prices and cash return. By using point-of-sale terminal equipment (POS machines). If the circumstances are serious, he shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law. It is illegal to cash out.

2. Never use a credit card to raise a card.

(1) Since you can't cash out, you should be able to cash out. There are many bank credit cards. If you take out the cash from one credit card and pay back the credit card debt of another bank, you will never have to pay back the credit card debt.

(2) Every time you withdraw cash, you have to charge a handling fee and interest. In this cycle, you are still spending with your card. The arrears will continue to accumulate and will not be greatly reduced;

(3) This is a bigger and bigger snowball! When one day the credit card withdrawal limit runs out, there is not enough cash on hand, the capital chain is broken, the credit card repayment may be overdue, and your personal credit will be damaged in chain, which will have a great impact on the subsequent refinancing of the credit card.

3. Don't use credit cards for unrestrained consumption:

It is fashionable and convenient to think that credit cards can spend money in the future. Therefore, if you get the card, you will spend recklessly, regardless of your endurance. As a result, the amount of consumption increased sharply and could not be repaid.

4. Never compare credit card limits:

(1) My colleague's quota is 40,000, while mine is only 20,000. No, it must be higher than my colleague's quota! So I tried my best to increase the quota. In fact, the amount of most credit cards is enough for cardholders to use every month;

(2) If the quota is too high, it will stimulate cardholders' desire to spend more, and may also affect other banks' application for new cards and loans.