1, overdue repayment is frozen. Cardholders are often overdue when using credit cards and have not paid off their bills for a long time. At this time, in order to avoid the risk of funds, banks will control the risk of cards, resulting in the freezing of credit cards. If the credit card is frozen, the cardholder will prompt that the transaction failed when spending by swiping the card. If you want to continue to use the credit card, you need to pay off the arrears and apply for thawing.

2. Credit cards are at risk of being stolen. Credit cards always suggest that abnormal transactions can lead to transaction failure. The credit card application platform detects that the cardholder's credit card is at risk of being stolen. In order to avoid or reduce the cardholder's financial loss, the bank will freeze the credit card. If this is the case, the cardholder needs to make it clear to the bank. If it is stolen, you need to call the police in time.

3. The payment password is incorrect. If you enter the wrong password three times in a credit card transaction, the credit card will be automatically locked. In this case, credit card consumption must be an abnormal transaction. If normal transactions are to be resumed, cardholders need to bring their ID cards to the bank to change their passwords and unfreeze them.

4. degauss the credit card. Credit cards can only be used through the magnetic stripe on the card. If the magnetic stripe is degaussed or damaged, the credit card will not be used normally. At this time, the cardholder needs to contact the issuing bank in time to change the card.