What should I do if my CITIC Bank credit card is restricted? How to lift it?

1. If the amount is restricted, then the following methods can solve it:

1. Only You need to log in to credit card online banking to make self-service limit adjustments. Not only can you adjust the main card limit, but you can also adjust the limit of independent supplementary cards.

2. Call CITIC customer service hotline and submit an application for credit limit adjustment. If you need to be reminded, the limit adjustment of the independent supplementary card must be applied for by the main cardholder.

2. If the credit card is frozen, the method is as follows:

After the CITIC Bank credit card is frozen, you need to contact the bank to ask for unfreezing. If the bank agrees to unfreeze, you still need to open the card as before. Steps to reactivate the card.

1. You can directly call the bank service hotline, follow the voice prompts, and verify your identity before you can open the card;

2. You can log in to the homepage of the bank's official credit card website and click to activate online;

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3. You can open a card at the counter of a nearby bank branch.

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 text message service to keep track of account changes. Once abnormal transactions are discovered, 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.

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 my CITIC Bank credit card is blocked?

The processing method is as follows:

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

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

There are many reasons for credit card blocking, and the solutions to different reasons are also different. There are many reasons for card blocking, which can be summarized into these four situations:

The first is that the password is entered incorrectly three times, resulting in the credit card being temporarily frozen. In this case, you can wait for the card to be automatically unblocked the next day or Call the customer service of the bank's credit card center to verify the information and ask for help to unblock it;

The second is overdue repayment. In this case, as long as you pay back the money, you can call the customer service to ask for a card opening.

The third is if you suspect it has been stolen, just call customer service to confirm that it has not been stolen.

The fourth is suspected of illegal cashing out too frequently. This is still a telephone customer service. Just provide the consumption voucher on the website.

Of course, after the credit card is blocked, we need to first understand a reason, and then take specific measures to solve the problem. Avoid blindly solving the problem, otherwise in the end, the credit card could have been unblocked, but the bank refused to unblock it.

First of all, the card is blocked due to incorrect password. I believe everyone understands this situation well. If you enter the wrong password and your credit card is blocked, you can definitely contact the card issuer as soon as possible. The credit card center unblocks your credit card.

Of course, when unblocking, the customer service will definitely check your personal information with you first. You only need to answer truthfully according to your original application information. Generally, the bank will unblock you and may also inform you of the correct one. password.

If the credit card is blocked due to overdue circumstances. It may be that your overdue amount is too large or you haven't paid it for a long time, causing the bank to block your card. For this phenomenon, first of all, it is necessary to pay off the debt in time. This is very necessary.

Secondly, you need to communicate well with the bank and explain that one of your overdue situations is not deliberately artificial, or it is because you did not receive the notice or forgot to pay it back. If you really don’t have the money to pay it back, then Just tell me honestly and emphatically state your willingness to repay, so we can see if we can unblock you.

If the bank suspects that the card has been stolen due to abnormal card swiping, what we need is to contact the bank to prove that it was you who used the card. Generally speaking, the bank customer service will confirm your identity. Finally, they will be unblocked for you. Abnormal card use is usually for consumption in other places or overseas. In order to prevent credit card theft, banks will proactively contact you or even block your card.

What should I do if my CITIC Bank credit card is frozen?

You can call CITIC Bank’s manual customer service to see if the credit card has been unfrozen.

How to deal with frozen credit cards

1. If the cardholder fails to pay off the credit card balance, pay off the money in time, call the bank customer service and explain the situation truthfully. Generally, Unfreeze your credit card.

2. If the bank customer service requires the cardholder to hand over the card payment receipt, the cardholder did not save the card payment receipt during the card payment process. You can tell customer service truthfully and apply for a reduction, and then you can swipe your card normally and repay on time.

If the customer service says that it cannot be unfrozen and asks the cardholder to cancel the card, remember, do not cancel the card!

3. After the card is canceled, the cardholder’s overdue repayment record will remain there until it is eliminated after 5 years. After the cardholder has paid off the balance, he or she can deposit money and swipe the card for 3 to 6 months before applying for an unfreeze from the bank. The bank may automatically unfreeze it for you during this period.

How to unfreeze a frozen CITIC Bank credit card

You must first solve the specific problems caused by the freeze before you can apply for bank unfreezing.

The main reasons and solutions for credit card freezes:

If you enter the wrong card information such as password, validity period, CVV code, etc., go to any branch with your valid ID. You can consult the corresponding person before going. Bank customer service personnel;

Cards are subject to temporary control, please consult the corresponding bank customer service;

Credit card debts are overdue or card usage is irregular. The specific situation will be analyzed in detail. If all the account debts are paid off Afterwards, you can call the customer service hotline to try to lift the freeze. This is determined by the degree of overdue credit card and the degree of abnormal transactions. A specialized approval department will make a comprehensive assessment based on the individual's situation.

What should I do if my CITIC Bank card has not been unblocked for 3 days?

What to do if my CITIC Bank card has not been unblocked for 3 days is as follows:

1. Check whether there is any credit card debt as soon as possible. No matter what the reason is for blocking the card, pay off the debt immediately before unblocking it. This will allow the bank to recognize the cardholder's repayment ability and have a certain influence on the unblocking process. benefits.

2. Then, call the CITIC Bank credit card service hotline, transfer to manual customer service, ask the reason for the card being blocked, and then take countermeasures based on the reason for unblocking.

3. Generally, when CITIC credit cards are blocked, most of them are due to abnormal transactions detected by the bank’s risk control system, such as large purchases in other places, card swiping times outside the merchant’s normal business hours, etc. In this case, the bank customer service will ask for the consumption voucher of the transaction to confirm whether it is a normal transaction.

4. If it is a regular credit card payment, you only need to upload the credit card receipt and other proofs. After the bank verifies that the transaction is normal, the credit card will be unblocked. And if you are cashing out and cannot provide consumption vouchers, you can try to find an excuse to say that the merchant has a discount and will not issue an invoice, and see if you can get the bank to relent. If the bank does not recognize it, then the possibility of unblocking will be relatively small.

5. In short, the CITIC credit card unblocking technology introduced above is only effective with a high probability and cannot be 100% unblocked. If it cannot be unblocked, you should cancel it after paying off the debt, otherwise If you cannot use the card, as long as it is still within the validity period, you will incur annual credit card fees, and forgetting to repay will also affect your credit.

This concludes the introduction on how to unfreeze a frozen CITIC credit card and how many days it takes to unfreeze a frozen CITIC card. Did you find the information you need?