1. One reason is that the cardholder fails to repay the loan on time for more than three consecutive months, and the bank has the right to stop using the credit card. To put it bluntly, banks have no trust, and if they continue to use overdraft limits, banks may face more bad debt losses. Although the credit card is overdue and has been deactivated, the late payment fee and interest still exist and will not disappear because of the deactivation of the credit card.
2. The second reason is that if the bank thinks that the credit card transaction is abnormal, of course, it is the bank and criminals that cause the credit card insecurity. In this case, you can ask for a new credit card and open it directly after you get the new card.
The rural credit cooperative system has been closed:
Refers to the bank has stopped trading, that is, "stop paying". Stop payment is divided into account stop payment and limit stop payment, and withdrawal transaction cannot be carried out after account stop payment; After the limit stops, the available balance will be reduced and the account will be allowed to be processed within the available balance. The purpose of account stop payment is to prevent all or part of the funds in the designated account from paying cash and transferring funds.
Because too many people go to the bank to handle business, including withdrawal, credit cards, loans and other businesses, sometimes the bank's system is full, so it is necessary to upgrade and maintain the system from time to time, otherwise it will lead to paralysis of the banking system and cause serious things. Therefore, before the banking system is upgraded, all kinds of businesses will be restricted, which is to protect the account security of depositors.
Reference to the above content: Baidu Encyclopedia-Hubei Rural Credit Cooperative