If you find that your credit card is frozen, you must call the bank's customer service hotline as soon as possible to find out the reason for the freeze and then try to remedy it. If you don't use it, your credit card will be frozen.

How long will the credit card be frozen if it is not used? 1 Credit cards will not be frozen because they are not used within the validity period, but debit cards will be included in sleep account management when they are not used for a long time. If there is no transaction within half a year after the bank card is activated, it will be marked as sleep card by the bank and its business functions (including ATM or online banking) will be closed. If thawing is needed, the cardholder needs to go to the counter to apply for reactivation.

For bank cards that have not been used for a long time, banks have different regulations on freezing or restricting transactions. Please consult your bank. However, if there is money in the bank card, no matter how long, the card will not be frozen.

Sleep account refers to an account that has not received or paid for activities for a long time. Generally, banks will list accounts that have not received or paid activities for more than 1 year as sleep accounts. For this kind of account, if the bank considers it unnecessary to continue to exist after investigation, it will inform the account opening unit to come to the bank to cancel the account within 1 month. If the unit does not handle it in the future, it will be deemed as automatic cancellation.

Sleep card is divided into debit card sleep card, quasi-credit card sleep card and credit card sleep card. Debit card sleep card refers to the card that the cardholder has not initiated for more than 12 months (excluding interest settlement and inquiry) and the deposit balance is lower than 10 yuan; Quasi-credit card sleep card refers to a card with a balance of less than 10 yuan, where the cardholder has not initiated financial transactions (excluding interest settlement and inquiry) for more than 6 consecutive months.

A credit card sleep card refers to a card with a balance of less than 10 yuan, where the cardholder has not initiated financial transactions (excluding interest settlement and inquiry) for more than 6 consecutive months.

In the industry, the so-called sleep card is defined as a card that has not been used at all for a certain period of time or a card that has not been enabled and activated for a newly applied card. We call it sleep card. After the card is activated, it has not been used once in one year. We regard it as a quasi-sleep, low-use or rarely-used card.

The domestic credit card circulation is increasing every year, and banks invest a lot of manpower and material resources in the issuance of credit cards every year, but the activation rate and utilization rate of issued credit cards are relatively low, which leads to a lot of financial and material resources wasted by banks. It is reported that at present, the activation rate of credit cards in China is below 40%, which is highly probable in sleep card. The issuance cost of each credit card is 100 yuan, which is equivalent to the bank wasting more than 60 yuan on each credit card.

In China market, the number of credit cards issued is increasing, but the profit challenge of banks is also increasing. After people take credit cards, they don't need them, let alone circulating credit. Some people just use it to withdraw cash, so the usage rate of credit cards is too low.

How long will the credit card be frozen if it is not used? 2 Usually, the following three situations will cause the credit card to be frozen:

1. Credit cards are traded in risky businesses. Some merchants' POS machines are not handled through formal channels, but are specially used for later cashing. Such merchants will be pulled into the list of risky merchants by banks. If users trade in such merchants, the transaction will fail and the card will be frozen. If they often trade in such merchants, their cards may be permanently frozen.

2. The credit card has expired. If the credit card is overdue and the user fails to repay for a long time, the bank will freeze the user's account. Generally this situation is not particularly serious. After the user pays off the debt, the bank will unfreeze the credit card.

3. Credit card cashing. Friends who use credit cards know that credit card consumption can enjoy interest-free period. As long as the debt is paid off within the prescribed time limit, there is no need to pay any interest charges. However, if you want to withdraw cash by credit card, you will not only need interest, but also have a handling fee. Therefore, some users will withdraw cash from their credit cards in the form of cash. This way will destroy the financial order and is not in line with bank regulations. So once the bank finds out that the cardholder has a set of current practices, the bank will freeze his credit card. The circumstances are serious.

If you find that your credit card is frozen, you must call the bank's customer service hotline at the first time to find out the reason for the freeze, and then try to remedy it. If the credit card is frozen, the specific thawing time depends on the bank's risk control time, and it is impossible to manually intervene in the thawing time.

How long will the credit card be frozen after it is not used? After the credit card is frozen, you need to apply to the bank for unfreezing. After meeting the thawing conditions, the bank will approve the thawing of the credit card within a few working days after receiving the application, and if the approval is successful, it will be thawed. But the settlement time of different banks may be different. If your credit card cannot be unfrozen, the bank will contact you to inform you of this situation.

1. The overdue repayment of the credit card is frozen: pay off the arrears.

If the cardholder often fails to repay the loan, or the overdue time is too long, the bank will temporarily freeze your credit card in order to control the risk. If you want to continue to use this credit card, the first thing to do is to repay it as soon as possible, and it is best to repay the interest, liquidated damages and principal in full. Then, take the initiative to contact the bank to negotiate, sincerely express that you did not intend to overdue, and ensure that you will repay on time in the future. Generally, the overdue period is not particularly serious, and the bank will unblock it for you.

2. Credit card cashing freeze: provide shopping receipts or invoices.

It is not only illegal to cash in with a credit card, but also illegal. If your credit card has a large amount of fast-forward and fast-out every month, be careful. Whether you have a credit card or not, as long as you are suspected of having a credit card and are recognized by the bank, your credit card will definitely be frozen.

At this time, the cardholder should call the bank credit card customer service center to explain his situation and apply to the bank for thawing. Generally, banks will require cardholders to provide consumption receipts or invoices to prove your "innocence". As long as you can provide real transaction vouchers, there is absolutely no problem in unsealing.

If there is no way to provide the transaction voucher, the cardholder can also try to communicate with the customer service under the condition that the violation is not serious, explaining that he accidentally lost the invoice, or because the merchant had preferential activities at that time, the invoice was not issued, and the bank will accept the unfreezing application within a week or so and inform the cardholder of the result.

Third, the loss and theft of credit cards lead to freezing: call the bank customer service to automatically unfreeze.

When the bank judges that the credit card consumption behavior is abnormal and it is suspected of being stolen, it will also freeze the credit card to protect the security of the funds in the card. For example, if you spend a sum of money in Beijing with a credit card in the morning and spend it elsewhere in the afternoon, or if you have several consecutive abnormal transactions such as large integer credit cards, you may be judged as stolen by the bank. In this case, unsealing is very simple. The cardholder only needs to contact the bank to explain the reasons for the abnormal consumption of the card. If it is not stolen, the bank will unfreeze it immediately.