What should I do if the credit card of CITIC Bank is blocked?

The handling method is as follows:

1. If it is caused by overdue, you need to pay off the debt as soon as possible, and then call the credit card customer service of CITIC Bank to apply for unfreezing.

2. If you are suspected of cashing out, you can provide your proof of consumption to unfreeze it. If you really cashed out, you may not be able to unfreeze it.

there are many reasons for the credit card to be blocked, and the solutions for different reasons are different. There are many reasons for card sealing, which can be summarized into four situations:

First, the credit card is temporarily frozen due to three incorrect password entries, so you can automatically unlock it the next day or call the customer service of the bank credit card center to verify the information and ask for help;

The second is overdue repayment. You can call customer service to ask for a card as long as you return the money.

the third is that it is suspected of being stolen, so long as the telephone customer service shows that it is not stolen.

fourth, it is suspected of illegal cashing, and it is too frequent. This is still telephone customer service. Just provide the consumption voucher on the website.

of course, after the credit card is blocked, we need to know a reason first, and then prescribe the right medicine. Avoid blind solution, or in the end, the credit card could have been unsealed, but the bank that got it would not let it be unsealed.

First of all, the card was blocked due to the wrong password. I believe everyone can understand this situation very well. If you enter the wrong password yourself, your credit card will be blocked. You can definitely contact the credit card center of the issuing bank to unblock your credit card as soon as possible. Of course, when unsealing, the customer service will definitely check your personal information with you first. You only need to answer truthfully according to one of your original application information, and the general bank will unseal it for you, and may also tell you a correct password.

if the credit card is blocked due to overdue conditions. Then maybe your overdue amount is too large or it has not been paid back for too long, which leads to the bank sealing your card. For this phenomenon, first of all, it is necessary to pay off the arrears in time, which is very necessary.

Secondly, it is necessary to have a good communication with the bank to explain your overdue situation, either because you didn't receive the notice or forgot to pay it back. If you really don't have the money to pay it back, then tell me honestly, and at the same time, show your willingness to pay back emphatically, so as to see if I can unblock it for you.

if the bank suspects that the card has been stolen because of the abnormal card swiping, all we need is to contact the bank actively to prove that you used the card yourself. Generally speaking, the customer service of the bank will unseal it for you after confirming your identity. Unusual credit cards are usually used in different places or in consumption abroad. In order to prevent the credit card from being stolen, the bank will contact you or even seal the card for you.

How to unblock a credit card

First of all, you need to understand the reason for blocking a credit card, and then solve it by corresponding methods. The reasons and solutions are as follows:

1. Because you must repay the loan as soon as possible when it is blocked, you can call the bank customer service hotline to apply for unblocking after repayment. If it is really impossible to repay, you must negotiate with the bank, explain the reasons and apply for deferred repayment. The longer the repayment is delayed, the less likely it is to be unsealed.

2. If the bank thinks that the credit card has been cashed out, you can submit your proof materials, such as bills paid by credit cards, to the bank outlets, and you can generally unblock it after showing the proof materials. If it is really cashed out, the chance of unsealing is very small.

the credit card is blocked, how to solve it?

Solution to credit card restriction:

1 When using a credit card, if the credit card's spending limit on that day exceeds the bank's requirements or the upper limit set by itself, it can normally be resumed after 12 o'clock in the evening.

2 if the use of the credit card is restricted due to overdue repayment of the credit card, the user must first fulfill the repayment obligation and pay off the overdue debt, and then apply to the bank for lifting the restriction and restoring the normal use of the credit card. Generally, the overdue situation is serious, even after the repayment obligation is fulfilled, the bank will not restore the user's credit card, which often means that the user has been blacklisted by the bank.

3 if the use of credit card is restricted due to the suspected cashing, the cardholder needs to provide relevant consumption vouchers to the bank before the restriction can be lifted.

4 if the credit card involves the security of using the card, the cardholder needs to go to the bank to go through the relevant procedures for lifting the restrictions. Generally, in order to avoid stealing the credit card, the bank can lift the restrictions and resume normal use by proving to the bank that the credit card account is safe.

what should I do after my credit card is blocked and how to unblock it?

in some cases, the cardholder's credit card will be blocked by the bank, and the frozen credit card can't handle any business basically. Then, if the conditions that caused the credit card to be frozen have disappeared, can the cardholder apply for the credit card to be unblocked? How to unseal the credit card?

Serious overdue credit card may lead to the credit card being blocked. Some cardholders fail to repay their credit cards on time after using their credit cards to spend money. If the overdue time is long or the overdraft amount is large, the issuing bank will freeze the credit card after the dunning fails.

after the credit card is lost or stolen, in order to prevent the loss from further expanding, the general cardholder will ask the card-issuing bank to freeze the credit card, or the card-issuing bank will take the initiative to freeze the credit card for the cardholder after recognizing the theft, which is a temporary freeze.

it is illegal to cash out a credit card. after the credit card is issued, the bank will supervise and record the credit card transaction. The obvious credit card cashing behavior is easily recognized by the card-issuing bank. Once the card-issuing bank finds out that there is a credit card cashing behavior, the bank will freeze the credit card.

what should I do after my credit card is blocked?

First of all, if the credit card is frozen due to 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 credit card customer service center of the issuing bank to explain the situation. Generally, the bank will unfreeze it. Secondly, credit cards that are frozen due to lost or stolen credit cards will generally be unfrozen by the issuing bank after the relevant matters are handled.

depending on the situation, if the credit card is not cashed out subjectively, but the bank mistakenly thinks that it is cashed out, the cardholder can call the credit card customer service center of the issuing bank to explain the situation and apply for the credit card to be unfrozen. If it is found that the credit card is frozen by the bank, it will generally not be unsealed, and the cardholder will even be sued by the bank.

how to apply for credit card unsealing?

under normal circumstances, when the conditions that caused the credit card to be frozen have disappeared, the cardholder can apply to the issuing bank for unsealing the credit card. The customer service hotlines of credit card centers in all banks have opened the function of temporary loss reporting or temporary freezing. If the cardholder cannot find the credit card temporarily, he can apply for temporary loss reporting first, and once he finds the card, he can cancel it by phone. I remind cardholders to pay back on time every installment, so as not to cause any more overdue, because overdue credit cards will be included in the personal credit information system, and too many overdue times will affect future loan applications, not to mention engaging in credit card cashing, cashing out or causing credit cards to be downgraded, frozen and stopped.

the first one: one of the simple ways to unblock a bank is to reapply for a new card, which must be of another card type. This is the first one and the most common one in most banks.

The second one is that a customer calls to unblock it, but only a few banks will unblock it for you, provided that yours is not caused by serious overdue, and it can be completely unblocked by phone (it takes two days to verify) < The customer service will ask for an invoice, make a formal invoice for the small ticket suspected of cashing out, and submit it to the bank together with the small ticket: fax it to the bank or scan it to the bank mailbox. Basically, it can be unsealed the same day. As for where to open the formal invoice, you can open it at any cost, and many banks are suitable for this method.

Excuse me, what should I do if the credit card is blocked?

Because when it is blocked within the time limit, you must repay it as soon as possible. After repayment, you can call the bank customer service hotline to apply for unblocking; If the bank thinks that the credit card has been cashed out, it can submit proof materials at the bank outlets and apply for unsealing.

provide transaction notes to the bank card department: this method is suitable for credit cards suspected of cashing out by banks. Call customer service directly to say that their credit cards have been blocked, and customer service will ask cardholders to provide consumption invoices and POS purchase orders, as long as a formal invoice and POS purchase orders can be sent to the bank mailbox by fax or scanning.

Cross-regional restrictions on automatic unblocking: Generally speaking, if there is a sudden cross-regional or overseas consumption transaction on a credit card, the bank will block the cardholder's credit card to protect the possibility that the cardholder's credit card will be swiped, and then contact the cardholder by phone, and will automatically unblock it after confirming that it is his own transaction.

customer service phone confirmation to unblock the card: if your card is blocked due to overdue, you can call customer service to explain your situation and ensure that it won't happen again in the future. Generally speaking, most banks can unblock the card, but the premise is that it is seriously overdue.

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What should I do if the credit card is blocked? Call the bank quickly

In the normal process of using the card, many cardholders' credit cards are blocked by the bank for no reason, which brings a lot of inconvenience to the use of funds. Card friends often complain about this, so what are the reasons for the credit card being blocked? What if the credit card is blocked? Let me solve these problems for you.

the reason why the credit card is blocked

to know what to do if the credit card is blocked, you must first know the reason why it is blocked.

1. Suspected cashing leads to freezing. Frequent use of pos machines to withdraw large amounts of cash has caused UnionPay to doubt your credit, and the bank will reduce your credit card limit, and if the circumstances are serious, it will directly seal the card;

2. Overdue repayment for many times. If there are many overdue payments, the credit card will also be blocked.

3. code set and code skipping of the second clearing POS machine. The market is flooded with second-hand cleaning machines. Because some of them use the big merchant model, the consumption records of credit cards are in a chaotic state, and it is easy for a credit card to be swiped in several different cities in one day, which is very easy to be monitored and seized by banks.

4. In addition, if the property is frozen or confiscated for various reasons, the credit card will also be frozen.

the solution to the blocked credit card

If the card is blocked due to overdue repayment, try to repay it in full, call customer service and ask for unfreezing. Although the result may be reduced, if there are not many overdue times, the general customer service will unfreeze it.

If it is misjudged as cashing

What to do if the credit card is blocked? In fact, the method is very simple. First, find out the reason why you are blocked, and then apply to the bank for unblocking. Find out how to use a credit card, and you won't be at a loss when your card is blocked. Click on the credit card application channel to help you find the credit card that suits you best.

that's enough for the introduction of what to do if the credit card is blocked.