What should I do if my credit card password is locked?

When using their credit cards, many cardholders will enter the wrong password and be locked, resulting in the inability to swipe the card for transactions. So, what should you do if you encounter this situation? If the credit card password is locked, it is natural to unlock it. However, the unlocking methods and requirements of each bank are different. Let’s take a look at how to solve it together.

1. Why is the credit card password locked?

Credit card passwords are basically locked because you enter the wrong password multiple times in a row. This password includes transaction passwords and inquiries. password.

Whether it is a transaction password or a query password, if you enter the wrong password multiple times in a row, the card will be locked and automatically frozen, making it impossible to swipe the card for consumption.

The number of input errors stipulated by each bank is different. For example, China Merchants Bank stipulates that if the credit card password is entered incorrectly three times in a row, the card will be locked; Bank of Communications stipulates that the credit card password will be locked if the credit card password is entered incorrectly 6 times in a row.

2. What should you do if your credit card password is locked?

Each bank has different policies. If the credit card of each bank is locked due to incorrect password input, the required The unlocking method is also different.

1. China Merchants Bank

After entering the wrong password three times, if it is a transaction password, it will be automatically unlocked at 0:00 the next day after being locked. If the inquiry password is locked, the cardholder can call the CMB credit card customer service hotline and be transferred to manual service. After the customer service specialist checks the cardholder's information, he will reset the inquiry password for you.

2. Industrial and Commercial Bank of China

If the cardholder enters incorrectly three times in total, it will be locked. After being locked, the cardholder needs to bring the credit card and his or her valid ID card to the local credit card holder. The center handles the unlocking procedures.

3. Bank of China

After three incorrect entries, it will be locked within 24 hours. It will be automatically unlocked after 24 hours.

4. China CITIC Bank

The transaction password is locked, and the cardholder can only handle it through manual service by dialing the service hotline 400-889-5558. The query password is locked. The cardholder can try to reset it through online banking.

5. Bank of Communications

If you enter the wrong query password 6 times in a row, you will be locked. Cardholders can only call the customer service hotline of the Bank of Communications Credit Card Center at 400-800-9888 to handle it manually. Reset after unlocking. If the transaction password is locked, you can log in to the Credit Card Center website, click Forgot Password, and then reset the password.

6. China Construction Bank

If you are locked because you entered the wrong password too many times, you can call the CCB credit card customer service hotline to unlock it and reset your password.

What should I do if my credit card password is locked?

Question 1: What should I do if my credit card password is locked? There is a customer service number on the card. Generally, you can unlock it by calling the customer service number. They usually ask you to apply for your credit card. Relevant credits filled in at the time

For example: personal identification number, phone number, home address, contact name and phone number, reserved questions and answers, etc.

Question 2: My credit card What should I do if I entered the wrong payment password and the card is locked? I take my ID card and card to the bank counter to reset my password.

Question 3: What should I do if my China Merchants Bank credit card is locked if I enter the wrong password? Call the credit card center. They will ask you a few questions to confirm that you are the person you are, and then unlock it directly

Question Four: What should I do if my credit card is locked? There are two ways to unlock your credit card after it is locked:

1. Call the credit card customer service hotline and follow the voice prompts to ask customer service to unlock it.

2. Bring your credit card to the counter of the same business outlet and ask the salesperson to handle the unlocking procedure. There is no handling fee.

Question 5: What should I do if the CCB credit card password is locked? If the password is locked because the password has been entered incorrectly too many times, you can call the CCB credit card customer service hotline to unlock it and reset the password.

If you just forget your password but the card is not locked, you can directly bring your ID card and credit card to the nearest CCB branch to reset your password.

Question 6: What should I do if the credit card online payment password is incorrect and is locked? Hello, the credit card online payment password is locked. It will usually be unlocked automatically the next day (for details, please call the credit card customer service).

Question 7: What should I do if the credit card password is locked? If the inquiry password of China Merchants Bank credit card is locked, it can be reset by the following methods: 1. Please call the customer service hotline and enter your ID number according to the voice prompts. Or if the query password is wrong, you will be directly transferred to manual assistance to set it up. 2. After following the official WeChat account of our bank's credit card, send "Forgot inquiry password" and you can reset it immediately according to the prompts. 3. You can click on the Palm Life client, go to My - click on Quick Login - Forgot your password, and reset it through your personal information.

Question 8: The bank card password input is locked, can I still pay back the credit card? The credit card needs to be unlocked before the credit card can be paid back.

For credit card repayment, you must first bind your debit card, and then deposit the corresponding amount into the debit card before the repayment date.

The specific credit card repayment methods and deadlines after binding the debit card are as follows:

If you pay it off in full, no fees will be incurred;

The credit card is still being repaid. There is generally a three-day grace period after the payment date, and repayment within the grace period is deemed to be repayment on time;

If you pay the minimum repayment amount, daily interest needs to be calculated, starting from the date of consumption;

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If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it is considered overdue, and interest will be calculated from the accounting date, and 5% of the unpaid portion of the minimum repayment amount will also be charged. Late payment fees are charged on a monthly basis;

The specific daily interest rates may vary for various credit cards.

Debit card binding can be done through the official credit card website. The specific operations are as follows:

Open the official website of the bank credit card and select personal online banking to log in;

After successfully logging into personal online banking, select Credit Card in the main menu. When the bank card is not bound to the credit card, the option to add a new account will appear at the bottom of the page;

Fill in the credit card details carefully Information;

After completion, you can bind credit cards and bank cards.

Question 9: How to unlock an Agricultural Bank of China credit card that has been locked after entering the wrong password? 1. First of all, the bank card password does not have the function of automatically recovering the number of incorrect passwords. That is to say, if you enter the wrong password twice today, you will enter the wrong one again tomorrow. The password is locked;

2. The number of incorrect passwords for each bank card can only be 3 times, and it will be locked after the third time. It cannot be recalculated unless it is correct once within three times;

3. If the password is locked, including phone passwords and withdrawal passwords, you only have three chances to enter them correctly. The cardholder can only manually unlock the password at the bank counter with his or her ID card;

< p>4. In your case, you must hold the card and ID card yourself. You can report the loss manually at any local peer outlet. The password loss report takes 5 to 10 minutes. There is no need to know the initial password and there is no fee.

Question 10: How to unlock a credit card if the password is incorrect three times. How to unlock a credit card if the password is incorrect three times varies among major banks. The following are the ways to unlock credit card passwords from the 6 banks if they are incorrectly used three times.

1. China Merchants Bank

(1) Forgot the transaction password: The transaction password will be automatically unlocked at 0:00 the next day after it is locked. If you forget your transaction password, please call the service hotline. After verifying your identity, press 9 for manual processing;

(2) If you forget your query password, you can log in to the official website of China Merchants Bank to reset your query password. If your query password is locked, You can reset it here, but cardholders who only hold supplementary cards cannot reset it online.

2. Bank of China

After entering the wrong card three times, the Bank of China credit card will be locked within 24 hours. It will be automatically unlocked after 24 hours;

3. China CITIC Bank

CITIC Bank credit card inquiry password and transaction password will be locked if the query password and transaction password are incorrect for consecutive times. If the transaction password is locked, the card will be locked. People can only call the service hotline 4008895558 and handle it through manual service. If the query password is locked, the cardholder can try to reset it through online banking.

4. Industrial and Commercial Bank of China

If the cardholder enters incorrectly three times in total, the ICBC credit card will be locked. After being locked, the cardholder needs to bring the credit card and his or her valid ID card. Go to your local credit card center to complete the unlocking procedure.

5. Agricultural Bank of China

If the query password of Agricultural Bank of China is entered incorrectly three times in a row, it will be locked, but it will be automatically unlocked the next day. But if you enter the wrong number three times when withdrawing money from an ATM, the transaction password will be locked.

At this time, you must bring your ID card and bank card to an Agricultural Bank of China branch. A copy of your ID card and a completed business form are required for processing. a. If you still remember the password, fill out the special business application form and try to unlock it with the password. b. If you do not remember your password, fill out the application form for reporting loss and write "forgot password" in the reason for reporting loss. This is called reporting password loss. After reporting password loss, you can immediately change the new password. For specific operations, you can consult the lobby manager or relevant personnel after visiting the outlet.

6. Bank of Communications

Bank of Communications stipulates that if the credit card inquiry password and transaction password are entered incorrectly for 6 consecutive times, the cardholder will be locked. The online banking registration function will be locked. At this time, the cardholder can only call the Bank of Communications Credit Card Center customer service hotline 4008009888 to manually unlock and reset it.

What to do if your credit card is locked

There are many situations when your credit card is locked. The following are solutions:

1. Enter the wrong password. If the credit card payment password is entered incorrectly continuously, the card will be locked. The cardholder can bring their ID card and credit card to any bank branch to unlock the card.

2. Overdue. If your credit card is locked due to overdue payment, you need to pay off the balance first, and then the system will unlock it on its own.

3. Property is frozen. This situation involves a legal lawsuit, which needs to be resolved before it can be unlocked.

4. Risky transactions. Contact the bank to explain that your transaction is normal, and you can unlock it after good communication.

Let’s first look at the three reasons why your credit card is locked.

1. The password is entered incorrectly. If you enter the wrong password three times in total, your credit card will be locked. But now it is almost free of password for small amounts, and there are not many cases of being locked in this situation. If you enter the wrong password when making a large purchase and are locked, you can call the customer service of the card issuing bank to ask how to unlock it.

2. If a risky transaction is detected by the bank, the card will also be locked. Frequent large-amount cash withdrawals and large-amount cash withdrawals from POS machines. Some cardholders installed their own POS machines and swiped their credit cards, but no real transactions occurred. In some cases, the consumption amount was different from the actual price of the goods. If this happens, you must use the card wisely.

3. Locked after expiration. The consequences of being overdue are very serious. Not only will your credit report be hindered, but your card will also be locked if the card is seriously overdue. Therefore, if you use a credit card, you must pay it back in time.

Usually, when a credit card is blocked after it expires, it is considered a situation where the bank freezes the card. A locked credit card means that the bank card is in a state where payment cannot be made. After the credit card is locked, the cardholder cannot make withdrawals and other spending activities, and the money in the credit card cannot be touched. Currently, there are many reasons why credit cards are locked. Users who want to unlock their cards need to first understand the reasons why their credit cards are locked.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

How to apply for restoration if your credit card is locked?

If your credit card is restricted, you can only contact the bank customer service to apply for reinstatement.

Many times we encounter credit card restrictions, which may be due to debt, insufficient balance, etc. At this time, the credit card cannot be used. We need to contact the bank and find out the reason. You can perform operations and restore according to the bank's requirements.

Sometimes our credit card will exceed the limit when transferring funds. If it is a personal account, and the transfer suddenly exceeds the minimum limit stipulated by the bank at a certain stage, then after the bank's inquiry , the bank card may be restricted and temporarily unavailable, but users do not need to worry about this. If there is no problem after the bank review, the use of the bank card will generally be restored in about two days.

Another situation is that if the lender's loan is not repaid according to the specified date, the credit card can easily be restricted by the bank. In this case, you need to bring your own identity certificate and other relevant materials. Just go to the bank window and follow the bank's procedures for repayment recovery. However, it is worth noting that the bank will judge the lender's late fees and penalties based on the user's repayment time and overdue time. If you do not pay on time, you may be fined. Lenders have a range of negative consequences.

What should I do if my credit card password is locked?

Question 1: What should I do if my CCB credit card password is locked? If the password is locked because the password has been entered incorrectly too many times, you can call the CCB credit card customer service hotline to unlock it. , and reset your password.

If you just forget your password but the card is not locked, you can directly bring your ID card and credit card to the nearest CCB branch to reset your password.

Question 2: What should I do if my China Merchants Bank credit card is locked after entering the wrong password? Call the credit card center. They will ask you a few questions to confirm that you are the person you are, and then unlock it directly

Question Three: What should I do if I entered the wrong credit card payment password and the card is locked? I take my ID card and card to the bank counter to reset my password.

Question 4: What should I do if my CCB credit card account is locked if I enter too many passwords? Call the credit card customer service and explain the situation to unlock it

Question 5: What should I do if my account is locked due to incorrect input of my credit card password? If you enter the wrong password for 40 minutes, your credit card will be locked. If you use an ICBC credit card, the credit card cannot handle the password unlocking service. After the password is locked, the cardholder can only apply for password reset with the valid ID and card when applying for the card, and the new password will take effect at that time. Credit card password reset can be done at the card issuer or at the counter of an outlet, regardless of location, and the procedures are the same.

Question 6: What should I do if my credit card password is wrong? 1. It is normal to forget your password. The bank handles nearly a hundred such transactions every day.

2. To report a password loss, you only need to hold the card. Just bring your valid ID card. There is a 10 yuan loss reporting fee, and the password can be reset after seven working days;

Third, valid ID card does not specifically refer to the resident ID card, but also includes the household registration booklet, but Since there is generally no photo on the household registration booklet, the bank cannot confirm your identity. You can just ask the school to issue a certificate. Just hold the card and household registration booklet, and the school certificate will be enough

Question 7: Credit card input What should I do if my wrong password is frozen? Yes, call the customer service number of your credit card.

Question 8: What should I do if my Agricultural Bank of China credit card password is locked? Remember the original password. You can go to any Agricultural Bank of China branch with your ID card to unlock it. If you cannot remember it, you can only call the number on the back of the card and the password will be mailed to you

Question 9: My China Merchants Bank credit card transaction password is locked, how can I unlock it? Hello, the transaction password will be automatically unlocked at 0:00 the next day after it is locked. If you forget your transaction password, please call the service hotline. After verifying your identity, press 9 for manual processing.

If you have other questions, please add QQ corporate customer service 4008205555 or look for the WeChat public account "China Merchants Bank Credit Card Center" and add follow it.

That’s it for the introduction of what to do if your credit card password is locked.