1. If the cardholder fails to repay on time for three consecutive months, the bank has the right to freeze the credit card. Although the credit card is overdue and frozen, there are still late fees and interest. So it's best to pay back the arrears as soon as possible. Because of the overdue freeze, the cardholder's credit information has been affected.

2. If the bank finds that there is an abnormal transaction, it is risky to hold the deceased's credit card. For the safety of the cardholder, the bank will freeze the credit card, resulting in the freezing of the credit card.

3. If the bank thinks that the credit card is suspected of cashing out or indeed cashing out the credit card, it will also cause the credit card to be frozen. You know, cashing in credit cards is prohibited by banks. Don't cash in credit cards. If the circumstances of cash withdrawal are serious, criminal responsibility may be incurred.

Extended data:

No matter which way you cash your credit card, it is strictly forbidden by the bank. Once it is discovered by the bank, it may lead to the freezing of credit cards and even affect personal credit records, so it must be carefully considered before implementing cash withdrawal.

Taking false consumption as an example, it is not illegal to mention current behavior itself. Because, like any consumption, banks earn handling fees from it, and merchants have to pay business tax, but cardholders are exempt from interest of five ten thousandths for 50 days. If you don't repay the money in time after cashing out, or borrow someone else's ID card to apply for a credit card, and maliciously swipe your card to cash out, it will violate the law.

Baidu encyclopedia-credit card cashing