There are two reasons for being frozen:

1. An active risk prevention behavior of the bank

2. The cardholder's consumption behavior is abnormal

Freezing your credit card is sometimes an active risk prevention behavior of the bank. For example, if your credit card suddenly has a large transaction, the bank will generally send you a text message to remind you. If you don't do it yourself, please call customer service immediately or reply to the instruction to temporarily freeze the card according to the prompt of the text message. Therefore, credit card freezing is an emergency measure for banks to take the initiative to prevent cardholders from being stolen.

or the cardholder's consumption behavior is abnormal, and the bank background makes a decision to freeze the card. The main situations include the following:

The cardholder's credit record is poor, overdue and unpaid, overdue for a long time, and the amount is large, which makes the bank suffer certain losses, so that the bank will report your overdue behavior to the People's Bank of China, and freeze your credit card at the same time, restricting your use. At this time, what you have to do is to pay off the credit card in the first time, and then call customer service to apply for unfreezing. As for whether it can be thawed, it depends on personal circumstances.

Abnormal consumption behaviors often occur, and banks will take the initiative to freeze cardholders' credit cards.

Abnormal behaviors include:

spending money by swiping the card at the same merchant at a fixed time, and all of them are swiped at the capping machine;

swiping the card frequently during the non-business hours of the merchant;

swiping the card at his own company POS machine, and using his own credit card to enter his own bank account;

Regular single integer transactions

Frequent large-sum online transactions

. This also means that the cost of POS credit card processing is increased, and the processing fee is gradually transferred from merchants to consumers, and the cost of credit card processing borne by consumers is gradually increased. When consumers use credit cards again, the probability of being frozen is also increased. Take care of yourself.

Extended information:

Due to the convenience and rapidity of using credit cards and the rapid development of science and technology, the security problems faced by credit cards are becoming more and more serious due to the mechanism of paying first, and all major international credit card groups and global card-issuing financial institutions are facing severe challenges.

There are five security problems as follows:

Credit card: criminals or criminal groups use fake or invalid cards (expired/lost and invalid/damaged tapes, etc.) to pretend to be genuine cards and directly deceive merchants or card issuers.

cardholder: the card is improperly kept/handled (expired/invalid credit cards are not destroyed, or lost and not immediately invalidated, etc.), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.

consumer merchants: the service staff overshot the cardholder during the consumption process, or stole his credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.

card issuer: the computer system is maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous cases in which employees in the organization are inside the house and steal from themselves, or the inside is magical and the outside is evil.

trading system and mechanism: as long as it is made or handled by human beings, human errors and omissions are inevitable; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" actually has differences in hierarchy.

Baidu Encyclopedia-Credit Card

China Construction Bank-Credit Card Articles of Association