There are many reasons why credit cards are frozen, and the corresponding unfreezing methods are also different.

1. If it is frozen due to cash withdrawal, the cardholder should call CITIC Bank, explain clearly to the staff and pay off the balance as soon as possible, and the bank will help you unfreeze it.

2. If the password is entered incorrectly, there are two situations:

(1) If the credit card transaction password is entered incorrectly more than three times, the credit card will be frozen and you need to call The customer service hotline is unfrozen.

(2) If the online banking is frozen due to incorrect input of the online banking login password, don’t worry, it will be automatically unlocked and resumed after 24 hours, or you can call the 4008895558 customer service hotline to register and cancel. However, generally you can log in again after 24 hours. If you forget your password, select "Forgot Password" and enter the card information, and you will be prompted to reset a password.

Tips for raising the limit

1. CITIC Bank’s limit raising methods are divided into formal and special methods: the formal means large-amount consumption, and it doesn’t take long to raise the amount. The special method is to go directly to a business outlet to apply for a card, treat yourself as a new user, fill in the same information as the CITIC Bank credit card information you already hold, submit the form, and the card will be issued for 100, and your new card limit will be doubled for 100. This is the often-talked-about curved forehead raising method.

2. CITIC Bank reserves a limit of 30 by raising the limit, and repays it in full as soon as the bill comes out. Remember that it is best to repay in advance and in full, and do not delay the payment until the latest payment date, otherwise the limit will be adjusted. There is some help.

3. Make large purchases in installments. In this way, it won’t take long to increase the limit. In addition: after using the card for 6 months, make 6 purchases, pay the full amount after the bill is issued, let the card sleep, and the bank will also take the initiative to call you to raise the balance.

4. CITIC Bank must not use the freezing method to raise credit limit. According to the "Notice on Adjusting the Limits of Some Credit Cards" issued by the Credit Card Center of CITIC Bank, the bank will start from May 18, 2018, for credit cards with more than 6 Credit cards that have not had transactions for a month will have their balance reduced. If the cardholder needs to restore the credit limit, he can call the credit card customer service or submit an application through the bank's "Dong Card Space APP". The final restoration of the credit limit will be subject to the approval result.

Reasons for rejection of credit card applications

1. The cardholder does not meet the card issuance conditions

Some applicants did not clearly read the card application conditions when applying for the card . In fact, many credit cards have application conditions, such as student cards, female cards, membership cards, or age restrictions. If you do not meet the bank's conditions, your card application will be directly rejected.

2. The applicant’s score is unsatisfactory

Now when applying for a card, the bank will use an automatic scoring system to score the user. Only those who reach the score line set by the bank can approve the card. Those who do not reach the score will be rejected.

The notice that many applicants receive “Card is refused due to insufficient comprehensive score” refers to this score. These scores come from income, employment, assets, usage of already held cards, and more.

3. Submit too few application materials

Card applicants must not only pay attention to the authenticity of the application materials, but also the integrity of the information. This is the key to whether the bank can approve the card. in accordance with. This information is especially important when applying for a credit card for the first time. For example, if you have a house and a car and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is low.

4. The cardholder has a bad credit record

After receiving the credit card application, the bank will check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.

5. Apply through informal channels

When applying, try to choose formal institutions, such as bank official websites, intermediaries that collect money to apply for cards and some roadside card application points. Many of them are for the purpose of defrauding money. and user information, and cannot approve cards.