The last thing consumers want to see when using credit cards is that their credit cards are frozen by banks. In this case, personal credit cards cannot be used any more. What should I do if their credit cards are frozen? What is the quick unfreezing method for credit cards? Let's take a look at it below.

what should I do if my bank credit card is frozen?

If I want to unfreeze my credit card after it is frozen, I must first know why it is frozen.

1. Overdue repayment: If the cardholder fails to repay on time for more than three months in a row, the bank has the right to freeze his credit card, and although the credit card is frozen, the late payment fee and interest still exist. In this case, if you pay in full, call customer service and ask for unfreezing. If there are not many overdue times, the general customer service will unfreeze you, but the amount may be reduced.

2. Suspected cash withdrawal: If you frequently use pos machines for large-scale consumption or frequent large-scale cash withdrawal, which causes UnionPay to doubt your credit, UnionPay will inform the bank that your account is suspected of cash withdrawal. Credit cards will be frozen on the grounds of suspected cashing. In this case, you usually call the credit card customer service center to explain the situation, or you can unfreeze it.

3. Abnormal credit card: Sometimes if your credit card is swiped abnormally, the bank will freeze your card. Or take the initiative to apply for a freeze because the card was accidentally lost. In these cases, if you want to unfreeze, you can actually apply directly to the bank for a new card. If the application is passed, the new card can be used directly after activation.

Finally, I would like to remind you that the best way to avoid freezing credit cards is to maintain good usage habits in daily life. Under normal circumstances, as long as everyone repays on time every month and there is no illegal use of the card, then the bank will not freeze the user's credit card for no reason.