How to check whether your credit card has been frozen?

To check whether your credit card has been frozen, you can choose to swipe the card directly. If it shows that you cannot spend, it may be frozen. Or you can call the card-issuing bank directly and ask a customer service staff to check the current credit card status. There are many reasons why your credit card is frozen. If it is frozen, you can try to contact customer service to unfreeze it.

In addition, if the credit card is frozen, the non-circulating card will be displayed when logging in to the website. Users can pay attention to whether their card has this prompt.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

1. Overdue repayments are frozen

Generally, the bank will freeze your credit card only if the number of overdue payments is relatively large or the single overdue time is too long. At this time, you need to Repay the loan in full and in a timely manner. After paying off the debt, call the bank customer service and ask to unfreeze the bank card. Generally, the bank will unfreeze the card, but it may have a certain impact on the loan limit.

2. Cash withdrawal records are frozen

If you have used POSS machines to make large purchases very frequently, or frequently used credit cards to withdraw cash, UnionPay will consider you If you are suspected of cashing out, your credit card bank will be notified, and the bank will freeze your credit card. This situation is more troublesome than the previous one, because cashing out is a violation. You can provide the bank with your credit card consumption records in the past year. If your credit is good, the bank will unfreeze your credit card.

3. The property is frozen

Because credit cards are also personal property, if there are any assets that need to be frozen, your credit cards will also be frozen accordingly. , this situation will have to wait until your lawsuit is resolved before the credit card can be unfrozen, but this situation is generally relatively rare. In daily life, the two situations 1 and 2 are more common. In the process of using credit cards, it is important to pay attention to the rational consumption of credit cards. You must understand your own economic level, consume rationally, and do not use it blindly. If you use a large amount of your credit card for consumption, it is easy to become overdue. If it happens too many times, it will affect your credit value. If the credit card is serious, your credit card will be frozen by the bank. Don't use credit cards to cash out. This is a serious illegal act. It will not only freeze your credit card, but also seriously affect your personal credit, which will affect many things in your future life.

Under what circumstances will a credit card be frozen?

1. When the credit card is overdue multiple times, or there is suspicion of cashing out, and there are multiple consecutive large-amount integer card payments, overseas consumption, and two places at the same time If you swipe your card for consumption, etc., the credit card will be frozen.

2. ①Multiple overdue situations

3. Different overdue situations have different consequences. Generally speaking, if you are overdue for more than three consecutive months, the bank will freeze the credit card and report it to the bank. Central bank personal credit report.

4. It should be noted that overdue does not only refer to overdue credit cards. Multiple overdue bank loans of other types will also cause the credit card to be frozen.

5. ② Suspicion of cashing out

6. Cashing out violates the law. The bank clearly stipulates that cardholders cannot use credit cards to cash out.

7. Once the bank finds out that the cardholder’s cash withdrawal behavior is true, the credit card will be frozen.

8. ③Abnormalities in credit cards

9. If there are multiple consecutive large-amount integer card payments, overseas purchases, and card payments in two places at the same time, the bank will consider the credit card to be abnormal. , in order to prevent your credit card from being stolen, the bank will freeze your credit card.

10. ④ Entering the wrong password more than three times

11. When using a credit card to make purchases, if you continuously enter the wrong password, the credit card will also be frozen. Different banks have strict requirements for continuously entering the wrong password. The regulations are different. Some banks will freeze your credit card if you enter the wrong password three times in a row, while others will freeze your credit card if you enter the wrong password five times in a row.