The most common reason why credit cards are locked is incorrect password entry. A credit card will be locked once the incorrect password is entered more than 3 times.

(1) Once a credit card is 2-3 overdue If the bank has not repaid the loan for a month, the bank will also lock the card;

(2) Once the bank's risk control system monitors that the cardholder has cashed out, the bank card will be blocked. to lock.

1. If you enter the wrong password more than 3 times when logging in to online banking, online banking will temporarily block the cardholder's bank account. Generally, it can return to normal the next day, and you can log in by entering the correct password;

2. When withdrawing money or making inquiries at the teller machine, the credit card is locked due to too many incorrect password entries, so you can only Go to the bank counter to ask the bank staff to reset or retrieve your password;

3. When your credit card is locked, you can call the bank's credit card customer service hotline to apply for unlocking. If necessary, you need to reset your password. Once the credit card is successfully unlocked, it can be used normally;

4. How to unlock overdue locked credit cards:

(1) For overdue locked credit cards, repayment is the most important Regardless of whether it is in full, in installments or at the lowest level, repay the debt first

(2) The bank will re-evaluate the cardholder and will unlock it if the circumstances are not serious;

5. How to unlock a locked credit card for cash out:

To unlock it, it mainly depends on the mood of the bank staff. You can first contact the relevant bank personnel to explain the situation and provide the normal consumption history of the locked credit card. Record and apply to the bank to unlock the credit card.

Extended information:

Notes on using credit cards:

1. Do not use credit cards to cash out:

(1) The so-called cash out, After consumption is made through a card swiping machine, the holder of the card swiping machine will return the amount swiped to the cardholder in the form of cash, and a certain handling fee will be deducted. Of course, this handling fee will generally be lower than the cost of withdrawing cash directly with a credit card;

(2) The National Credit Card Law stipulates: Using point-of-sale terminals (POS machines) and other methods to directly pay cash to credit card holders through fictitious transactions, false prices, cash returns, etc., is a serious matter , shall be convicted and punished for the crime of illegal business operations in accordance with the provisions of Article 225 of the Criminal Law. "It is illegal to cash out.

2. Never use a credit card to maintain your card

(1) Since you can't cash out, you should be able to withdraw cash. There are many banks If you use a credit card to withdraw cash from one credit card and use it to pay off the credit card debt from another bank, and repeat this cycle, will you never have to pay back the credit card debt?

(2) What is the amount of cash withdrawn each time? If you have to charge handling fees and interest, and the cycle goes on and on, and you are still using the card to make purchases, the amount of debt you owe will continue to accumulate and will not be substantially reduced;

(3) This is a growing problem Snowball! When one day your credit card cash withdrawal limit is used up, and you don’t have enough cash on hand, the capital chain is broken, and all credit card repayments may be overdue. Your personal credit will be damaged in a chain, and it will be difficult to apply for a loan in the future. will be greatly affected.

3. Don’t use credit cards without restraint:

I think credit cards can be used to spend money in the future, which is fashionable and convenient, so I spend recklessly when I get the card. You don’t consider your own affordability at all. As a result, the amount of consumption increases sharply and you are unable to repay.

4. Don’t compare with your credit card limit:

(1) Your colleague’s limit is 40,000, and you only have it. 20,000, no, the limit must be higher than that of colleagues! So I tried every means to increase the limit. In fact, the limit of most credit cards is enough for the cardholder to use every month;

(2) Limit. If it is too high, it will stimulate more cardholders' desire to consume, and may also affect new card applications and loans from other banks.

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