For example, due to overdue freezing, cardholders can pay off overdue debts first, and then take good care of their credit. After the credit is restored, apply for unfreezing, and the bank may restore the card to normal. However, if the overdue situation is too serious, such as the overdue time is too long and the overdue amount is too large, it is very likely that the card will never be recovered.
If it is frozen because it is suspected of cashing out, the bank will unfreeze the credit card as long as the cardholder can provide specific details to prove that he has not cashed out. Of course, if the cash operation is indeed carried out, there is no way.
Also, sometimes the transaction is risky and may be stolen, and the bank will freeze the card. In this case, as long as you call the bank to apply for unfreezing and confirm that the account is risk-free, the bank will unfreeze it.
As a cardholder, you can take the initiative to apply for freezing the card. If the card is frozen voluntarily by the cardholder, if it is to be unfrozen, the cardholder only needs to call the bank to apply.
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Reasons for freezing credit cards:
1, suspected of cashing out. If you frequently use POS machines for large-scale consumption or frequent large-scale cash withdrawal, especially cash withdrawal with capping machines, UnionPay will have doubts about your credit, so the bank will reduce your credit card limit, and if the circumstances are serious, it will be directly blocked.
2. Repeated overdue repayment. If the repayment is overdue for many times, the bank will think that you are unable to repay and freeze your credit card. At this time, if you repay in full, call customer service to ask for unfreezing, the amount may be reduced, but if there are not many overdue times, the general customer service will unfreeze.
3. Credit card theft. This situation is the cardholder's own choice. When a credit card is lost or stolen, in order to prevent the loss caused by theft, the general cardholder will ask the issuing bank to freeze the credit card, and in some cases, the issuing bank will take the initiative to freeze the credit card for the cardholder.
When the credit card will return to normal after being frozen depends on the specific situation:
1. If it is frozen due to overdue repayment, you can unfreeze the card only after paying off all the arrears, and then repair the damaged credit and improve personal credit. Because it is difficult to repair credit quickly in a short time, it is recommended that customers pay off their debts and patiently improve their credit for three to six months. If it is overdue, the card will never return to normal.
2. If cash is frozen due to violation of regulations, customers can only wait patiently for the end of risk control. The banking system will conduct a comprehensive evaluation from time to time, about once a month. When the comprehensive evaluation of the system reaches the standard, the account risk will be reduced and will naturally be thawed.
3. Of course, if the card is not withdrawn, it is because the total consumption amount is large and it is frequently spent in the same merchant, which leads to the freezing of the card risk control. Then the customer can contact the bank to appeal, and the appeal will naturally recover soon.
If it is frozen because it is suspected of stealing, customers only need to go to the bank to authenticate their identity and provide details of recent transactions, which will generally be unfrozen soon. If the transaction password is frozen due to continuous input errors, just reset the password and it will soon return to normal.