My CITIC Bank card is locked. How to untie it?
1. The bank card password is locked, which can be solved in two situations:
a) Some bank cards are temporarily locked and will be automatically unlocked when the time comes, usually the next day or 24 hours After;
b) Some bank card locks will not be automatically unlocked, and you need to go to a bank branch with your ID card and bank card to unlock it.
2. The bank card password is locked on the website and cannot be unlocked. It must be unlocked at the counter through offline outlets
Relevant staff from the electronic banking department of a large state-owned bank said that the phone number The bank's login password, which is the query password, and the bank card withdrawal password are two different concepts. Even if the wrong password is entered three times in a row, the query function of telephone banking will only be suspended and will not affect the fund activities of the account. The cardholder will still Withdrawals can be made with the correct withdrawal password. "Only if the transaction password (withdrawal password) is entered incorrectly three times in a day, the account will be locked. The account holder needs to bring his ID card to the counter to unfreeze." Extended information
Precautions for using bank cards
1. When entering the password, be careful to cover it with your hands. If you find any abnormality in the password shield and card entry protection slot of the ATM machine, for the sake of safety, do not use it and inform the bank immediately;
2 . In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious logos and use ATM machines under the bank’s video surveillance;
3. It is best to store bank cards and ID cards separately. Do not lend your bank card to others, and do not disclose your bank card and password at will;
4. When swiping your card for consumption, do not let your bank card go out of sight, pay attention to the number of times the cashier swipes the card, and get the purchase order and card When checking the purchase form, check whether the amount on the purchase order is correct and whether it belongs to your card;
5. Activate the mobile phone SMS service to keep track of account changes. Once abnormal transactions are found, call the bank immediately to report the loss;< /p>
6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.
The main reasons why bank cards are frozen are as follows:
1. When the balance of the bank card is less than 100 yuan, it has not been used for a long time.
2. Enter the wrong password three times in a row during telephone banking or at an ATM machine.
3. The bank card is lost or reported as lost.
4. Being maliciously manipulated, after knowing your personal bank card, ID card and other information, you call the bank to pretend to be the owner of the bank card and request to report the loss.
5. Others, such as enforcement of arrears.
Application and loss report:
The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid documents (ID card or copy of ID card), proof of residence, proof of unit income or proof of personal assets and other materials to the bank counter to go through the relevant procedures. You need to fill in the application form, and the information must be true.
After filling out the application form, it must be filed with the head office of the account opening bank. After the head office of the account opening bank reviews the application materials, it will take about 20 working days before the card can be issued to the customer. Applying for a debit card is relatively simple. You only need to bring your valid documents, mainly your ID card, and fill out the application form at the account opening bank. The card will be issued to the applicant at that time.
The loss reporting procedures of major banks are not exactly the same. If you lose your money, you can first use the phone or online banking to temporarily report the loss, and then bring your ID card and other supporting documents to the bank counter to report the loss.
Notes:
1. When entering the password, be sure to cover it with your hands. If you find any abnormalities in the password shield and card entry protection slot of the ATM machine, for safety reasons, do not use it. , and notify the bank immediately;
2. To prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the bank’s video surveillance;
3. It is best to store bank cards and ID cards separately, do not lend bank cards to others, and do not disclose bank cards and passwords at will;
4. When swiping cards for consumption, do not let bank cards out of sight. Pay attention to the number of times the cashier swipes the card. When you get the purchase order and card, check whether the amount on the purchase order is correct and whether it is your own card;
5. Activate the mobile phone SMS service to keep track of account changes at any time If you find an abnormal transaction, call the bank immediately to report the loss;
6. If you suspect that funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in a timely manner.
Frequently Asked Questions:
Do not put bank cards together with electrical appliances with strong magnetic fields such as mobile phones, TVs, stereos, microwave ovens, etc. It is best to put them far away, with multiple bank cards and passbooks. Don't put them together either.
1. When buying a wallet, there are usually a few small hard cards introducing the brand, so don’t throw them away! When placing cards, except that the cards cannot be in the same mezzanine, place a card like this on the side with the magnetic strip to act as a spacer.
2. ICBC has a special bank card holder, which works well. You can order several to use.
3. It is also good to use ID cards as intervals. (The second-generation ID card is a radio frequency card, not a magnetic card, so the ID card will not be "degaussed" with the bank card.)
Finally, please note that bank cards must not be placed directly in the same pocket as your mobile phone. , in which case it is very likely to be demagnetized quickly.
What should I do if I forget my CITIC credit card password?
Hello, if you forget your credit card password, you should bring your ID card and credit card to the bank in time to reset your password.
If you are in urgent need of small amounts of funds, it is recommended to use the Youqianhua APP. Youqianhua is the original Baidu financial credit service brand. You can apply directly online without mortgage. The application materials and steps are very simple. The fastest approval time is 30 seconds, and the loan is released in 3 minutes. Installment repayment and early repayment are available. Click below on the mobile phone to measure the amount immediately. The maximum loan amount you can borrow is 200,000.
How to set a transaction password for CITIC Bank credit card? What should I do if I forget it?
CITIC Bank credit card has multiple passwords, among which the most commonly used ones are transaction password and query password. I won’t talk about anything else today. I will only introduce this transaction password to you. You can work together to understand the function of this password, how to set it, and how to deal with forgotten passwords.
As the name suggests, this password is mainly used for transactions. This transaction includes many aspects, such as credit card consumption, cash withdrawal, etc. You can also enter this password on an ATM machine to check the status of your credit card, etc. The reason for having such a password is mainly for the system to identify the cardholder based on it.
The main functions of the transaction password are as follows:
1. Withdraw cash: You can withdraw cash with this password at the counter of a CITIC Bank branch or at an ATM machine. It should be noted that cash withdrawals with credit cards require There is a handling fee, and interest will be calculated from the date of withdrawal.
2. Consumption: If the consumption mode you set is "Password Signature", you can enter the password on the POS machine with the UnionPay logo to swipe the card.
Two ways to set the transaction password:
1. Telephone setting: You can use the mobile phone you filled in when applying for the card to call the CITIC Credit Card service hotline 40088-95558, and set it through the automatic voice service/ Modify/reset transaction password.
2. Other methods: You can bring your valid ID card and credit card to the counter of a CITIC Bank outlet to set it up. After the setting is successful, you can also modify it at any CITIC Bank ATM machine.
What to do if you forget your transaction password:
If you unfortunately forget the credit card transaction password you set, don’t worry, just call the CITIC Credit Card service hotline 40088-95558 and click through the menu " Personal information modification and transaction password setting, etc." Just reset the credit card transaction password.
What should I do if my CITIC credit card is locked after entering the password three times?
After the credit card password is locked after entering it three times, if you are in a hurry to use the card, the cardholder can bring the credit card and ID card to the additional store. At CITIC Bank branches, you can retrieve your credit card password and reset your password through the counter.
If you are not in a hurry to use the card, the credit card password will be automatically unlocked after 24 hours, and the cardholder can re-enter the password.
If the cardholder forgets the password, he can call the customer service number 4008895558 on the back of the credit card. After calling, apply for manual service. After verifying the identity information, explain the situation to the customer service and follow the prompts to retrieve the password. Can.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Main features
①Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation to a certain extent;
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②Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
③Credit cards are high-tech products that integrate financial services and computer technology.
④Credit cards can reduce the use of cash;
⑤Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
⑥Credit cards can simplify collection Reduce payment procedures and save social labor;
⑦Credit cards can promote product sales and meet social needs.
Financial Management Strategy
1. Control the number of credit cards and only have enough.
Once there are too many credit cards, it is easy to make mistakes or forget the repayment date of the card. Issues such as the credit limit of that card are difficult to manage and can easily lead to late repayments and leave a bad record. Moreover, if you swipe multiple cards to earn points, the points will be too scattered, which is not conducive to redeeming gifts. Therefore, it is recommended that only 1 to 2 credit cards are enough.
2. Keep the credit card receipts
Most credit card holders do not care about the receipts and will not keep them. Most of them throw them away. This is a very bad habit. In fact, retaining credit card vouchers not only facilitates the monthly summary of consumption records to analyze and optimize consumption habits, but also helps improve the rationality and transparency of credit card consumption, so that the card can be swiped clearly. Moreover, many people do not set passwords on their credit cards, and carelessly discarding the credit card credentials may lead to credit card theft.
For security reasons, it is best to keep the credit card receipt after swiping the card to make yourself aware of it and develop good credit card financial management habits.
3. Reduce cash withdrawals
Credit cards have two functions: overdraft and cash withdrawal, but cash withdrawals require a certain percentage of handling fees, and even if you deposit your own money into it, you will be charged. Therefore, it is not cost-effective to use or use it as a passbook.
4. Choose the right credit card
The choice of credit card is very important. Nowadays, many commercial institutions have bundled cooperation services with banks. For example, you can apply for a joint name between a department store and the corresponding bank. With a credit card, you can spend points here as a member and get discounts; or some cards can provide discounts at designated merchants, including dining, movies, towing services, etc. There are various categories, and you can choose freely according to your needs. Credit cards should be used wisely and chosen wisely.
5. Use your credit card as much as possible within the maximum limit for credit card consumption
Every credit card has a limit. If you use your card within this maximum limit, you are safe. So, within this controllable range, please swipe as many cards as possible. Because a credit card is like when you buy something, the bank will pay you first, so why not? Just pay it back to the bank on time on the repayment date. On the one hand, it is more convenient to consume, on the other hand, it can also accumulate credit, and the bank can also charge merchants fees from your card swiping amount, which is a win-win situation.
6. Don’t repay until the repayment date
Use the last repayment date to earn more interest. After all, the money is placed in your own account, and the interest generated is also yours, so Make full use of the opportunity of money in your hands to make it generate more money. In addition, if you are unable to repay due to some special reasons on the repayment date, please call the bank's credit card customer service hotline to explain the situation and request a delay in repayment. 1 to 2 days, usually this situation will be allowed.
What should I do if I forget my CITIC Bank online banking login password?
You can choose to reset the forgotten password on the credit card online banking login interface
The CITIC Bank credit card online banking login password is the password for logging into personal online banking. It is set individually by the customer and is the same as the credit card transaction password. belong to different passwords.
Freezing of online banking login password: If the online banking login password is entered incorrectly three times in a row, it will be frozen and will be automatically unfrozen after 24 hours. If you forget your online banking login password, you can select Forgot password on the credit card online banking login interface to reset it.
1. Open the search engine and search the CITIC Bank official website
2. Open the CITIC Bank official website and click "Online Banking Login"
3. Select "Personal" "Online Banking" and click
4. Select "Forgot Password" and click
5. Fill in the relevant information for verification
6. After passing the verification, it will be normal. Logged in.
Extended information:
When setting a password, you should pay attention to avoid the following situations:
1. The password and user name are the same
In order to facilitate their memory, customers like to set their username and password to the same characters, and believe that the simpler the password is, the harder it is to guess it. This kind of luck is a taboo in setting passwords.
2. Use part of the account number, mobile phone number, and ID card as the password
Some customers like to directly use the last six digits of the account number and the last six digits of the mobile phone number when setting the card password. digit or the last six digits of the ID card as the password, this approach is extremely dangerous. Once the above information is obtained by a "careful person", it is very likely that the password can be directly guessed and stolen, or information such as account number, password, ID number, credit card expiration date and credit card CVV2 code can be used to maliciously activate online banking, reset the online banking password, or tamper with Online banking mobile phone numbers, etc., are even more secretly stolen through online channels.
3. Use regular characters as part of the password
Such as the pinyin or abbreviation of the name, account number, birthday, common English words, the same numbers/letters/symbols, consecutive numbers/letters, numbers/letter combinations with special meanings, etc.
For example: zhanghaogu, zhlf, 62285568, 19840801, 8888, aaaa,, 1234, abcd, 3721, 163, cgbpass, etc.
Use characters similar to the above to form a password. It is also easier for others to guess.
4. Use other passwords as online banking or bank card passwords
Modern network services are becoming more and more abundant, and various network services require more and more passwords. Some In order to facilitate their memory, customers like to set one or a set of passwords for different network services. Their online banking passwords and bank card passwords are no exception, which greatly reduces the security of financial assets. In addition, other commonly used device passwords should not be the same or similar to online banking or bank card passwords.