1. If the use of the credit card is restricted due to the overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the bank's credit card customer service center, indicating that the bank will generally lift the restrictions.
After that, the cardholder should repay the loan on time, and don't make it overdue, because overdue credit cards will be included in the personal credit information system, and too many overdue times will affect future loan applications.
2. Credit cards are restricted due to cash withdrawal. It depends. If it is not subjective cashing, but the bank mistakenly thinks it is cashing, the cardholder can call the bank's credit card customer service center to explain the situation and apply for a credit card to lift the restrictions.
3. The credit card is restricted due to the theft of the credit card. Generally, after the stolen credit card is processed, the bank will lift the restrictions.
Extended data:
The suspension of credit card payment is a preventive measure taken by banks to strengthen management, ensure safety and prevent losses and adverse effects caused by fraudulent use of fake cards and lost cards. At the same time, it is also an important link to stop the payment of the main card or the auxiliary card at the request of the cardholder to reduce the losses and risks of the cardholder.
Stop range of credit card payment
Credit card payment suspension is generally divided into cardholder's initiative to stop payment, issuer's initiative to stop payment, head office's initiative to stop payment and cardholder's initiative to cancel.
Stop payment type
1. loss reporting card;
2. The main card requires to stop paying the subsidiary card, and the company requires to stop paying the company card;
3. Credit cards that exceed the limit and are overdue;
4. Emergency stop payment card during this period.
Baidu encyclopedia-stop credit card payment