The SMS notification that your credit card is blocked is as follows: "Your credit card with the suffix xxxx has been stopped by our credit card center due to xxxx"?

Reasons for the credit card being blocked:

1. Repeated overdue

Different overdue situations have different consequences. Generally speaking, if the credit card is overdue for more than three months, the bank will block the card and report it to the personal credit report of the central bank. At the same time, there will be stains on the credit report. ?

It should be noted that overdue refers not only to overdue credit cards, but also to other types of bank loans that are overdue for many times.

timely repayment is the most basic requirement of the bank for cardholders. For cardholders who have overdue repayment, the bank will charge interest and late fees. When the cardholder is overdue for many times or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior and continue to provide revolving credit, which is very risky, and will unilaterally terminate the use of the credit card, that is to say, the cardholder will find that his credit card is blocked and cannot be consumed.

2. Suspicion of cashing out

Some cardholders use credit cards to cash out when the capital turnover is not enough. Cash-out is against the law, which will harm the interests of banks, and banks also expressly stipulate that cardholders cannot use credit cards to cash out. But in real life, some cardholders always cash out with luck, thinking that the bank can't find it.

due to the high risk of illegal cashing of credit cards, it is easy to cause bad debts of banks. CBRC has long stipulated that banks have the right to take measures such as reducing the credit line, stopping payment, and inputting relevant information into the credit information system and the fraud information database established between banks.

It can be said that every card swiping behavior of the cardholder is under the supervision of the bank, and it is easy to be found as long as the cardholder cashes out. Once the bank finds out that the cardholder's cashing behavior is true, the credit card will be blocked.

if you really don't cash out and want to unfreeze your credit card at this time, you can provide the bank with the recent credit card consumption voucher and consumption invoice to prove that you don't cash out and ask the bank to unfreeze it.

3. The credit card is abnormal

If the credit card has been swiped for many times in a row, or spent in consumption abroad or two places at the same time, then the bank will think that the credit card is abnormal, and in order to prevent the credit card from being stolen, the bank will seal the credit card.

4. Incorrect password for three times

When spending with a credit card, if you press the wrong password continuously, your credit card will be blocked. Different banks have different regulations for continuously entering the wrong password. Some banks will block their credit cards if they enter the wrong password for three times in a row, while others enter the wrong password for five times in a row.

Extended information:

If the card is frozen and blocked by the bank due to bad use of the credit card or overdue payment, the cardholder himself needs to apply to the bank for unfreezing. If it is necessary to unfreeze the card on the day of paying off the debt, you need to bring your card and ID card to the local card center counter to apply directly. If you can unfreeze it, you can unfreeze it on the same day. If you can't unfreeze it, it means that the card has been forcibly cancelled by the bank and can no longer be used.

first: apply for unfreezing through customer service, and if it can be unfrozen, it will generally be processed within 2 working days. If the freeze cannot be lifted, the bank credit card center may contact the customer himself to inform the reason and the processing result (which varies from place to place).

of course, if the customer's reserved information is incomplete and the bank can't notify the cardholder, it can only apply at the counter of the card center. Therefore, you can call the bank's customer service phone to inquire about the reason for the freeze, so that you can take corresponding measures to deal with it.

second: if you want to use the credit card smoothly, you must repay it at least once a month on the last repayment date. Otherwise, not only will late fees be charged, but also personal credit records will be affected. If the circumstances are serious, the bank may freeze the account or even seal the card.

Baidu encyclopedia-overdue

Baidu encyclopedia-credit card cashing