Credit card blocking, simply put, means that the bank stops the use of the card, usually due to specific reasons. The top reasons for card blocking include credit card risks, suspicion of cashing out and late repayments.

When a credit card is frequently used for domestic consumption and a large overseas transaction suddenly occurs, the bank will doubt the security of the account to prevent potential fraud risks, and the card will be blocked. If the repayment is overdue for more than three months, the bank will blacklist the account and be wary of possible money laundering or illegal activities, resulting in card closure.

After blocking the card, it is important to remember to repay the loan in full and on time to resolve the overdue issue. If the card is blocked due to overdue payment, be sure to repay the balance as soon as possible and then contact the bank customer service to unfreeze it. Explaining the reason for the overdue payment and providing relevant evidence, such as payment receipts, will help prove your innocence and apply for unblocking. For arbitrage that has been mistakenly blocked, evidence and explanation are also required, and the bank will usually consider lifting the block.

In short, maintaining good credit card usage habits and paying back your bills on time are the keys to avoiding your credit card being blocked. Once your card is blocked, you should actively communicate with the bank to protect your credit rights.