What should I do if my credit card inquiry password is locked? How to unlock?

When calling the credit card service hotline, cardholders are often asked to enter a 6-digit query password. However, some cardholders cannot remember the query password. After entering the wrong password several times in a row, the password is locked and cannot be processed. Credit card inquiry business. So what should I do if my credit card inquiry password is locked? How to unlock it? Let’s find out together below.

The credit card inquiry password will be locked if you enter it incorrectly several times

The credit card inquiry password is the inquiry password required to enter telephone banking or online banking, and generally consists of 6 digits. The password is usually used to prove the identity of the cardholder when logging in to online banking, verifying identity via telephone service hotline, conducting domestic online transactions, and/or checking accounts in online banking.

It should be noted that if the credit card query password is entered incorrectly more than once, the credit card will be locked. The number of incorrect entries specified by each bank is different. For example, China Merchants Bank stipulates that the credit card password will be locked if the credit card password is entered incorrectly three times in a row; Bank of Communications stipulates If you enter the wrong password 6 times in a row, your credit card will be locked.

What to do if the credit card inquiry password is locked after entering the wrong password

If the credit card is locked, you need to wait for it to be unlocked before it can be used. However, the regulations of each bank are different. Some banks automatically unlock it, while others require users to call the bank. Customer service phone number is unlocked.

The Bank of Communications credit card inquiry password will be automatically unlocked after 8:00 the next day, but China Merchants Bank cannot automatically unlock it.

If your China Merchants Bank credit card is locked, you can call the China Merchants Bank credit card phone number: 4008205555, select "1" Chinese service in the voice system, select "1" cardholder service, and then select "9" to transfer. Go to the service specialist and press 6 "#" numbers instead of the query password to enter. You can be transferred to manual service. After checking your information, the customer service specialist will reset the query password for you.

The above is the relevant introduction of "What should I do if my credit card inquiry password is locked? How to unlock it?", I hope it will be helpful to everyone.

What should I do if my credit card password is locked?

When using their credit cards, many cardholders will enter the wrong password and be locked, resulting in the inability to swipe the card for transactions. So, what should you do if you encounter this situation? If the credit card password is locked, it is natural to unlock it. However, the unlocking methods and requirements of each bank are different. Let’s take a look at how to solve it together.

1. Why is the credit card password locked?

Credit card passwords are basically locked because you enter the wrong password multiple times in a row. This password includes transaction passwords and inquiries. password.

Whether it is a transaction password or a query password, if you enter the wrong password multiple times in a row, the card will be locked and automatically frozen, making it impossible to swipe the card for consumption.

The number of input errors stipulated by each bank is different. For example, China Merchants Bank stipulates that if the credit card password is entered incorrectly three times in a row, the card will be locked; Bank of Communications stipulates that the credit card password will be locked if the credit card password is entered incorrectly 6 times in a row.

2. What should you do if your credit card password is locked?

Each bank has different policies. If the credit card of each bank is locked due to incorrect password input, the required The unlocking method is also different.

1. China Merchants Bank

After entering the wrong password three times, if it is a transaction password, it will be automatically unlocked at 0:00 the next day after it is locked. If the inquiry password is locked, the cardholder can call the CMB credit card customer service hotline and be transferred to manual service. After the customer service specialist checks the cardholder's information, he will reset the inquiry password for you.

2. Industrial and Commercial Bank of China

If the cardholder enters incorrectly three times in total, it will be locked. After being locked, the cardholder needs to bring the credit card and his or her valid ID card to the local credit card holder. The center handles the unlocking procedures.

3. Bank of China

After three incorrect entries, it will be locked within 24 hours. It will be automatically unlocked after 24 hours.

4. China CITIC Bank

The transaction password is locked, and the cardholder can only handle it through manual service by dialing the service hotline 400-889-5558. The query password is locked. The cardholder can try to reset it through online banking.

5. Bank of Communications

If you enter the wrong query password 6 times in a row, you will be locked. Cardholders can only call the customer service hotline of the Bank of Communications Credit Card Center at 400-800-9888 to handle it manually. Reset after unlocking. If the transaction password is locked, you can log in to the Credit Card Center website, click Forgot Password, and then reset the password.

6. China Construction Bank

If you are locked because you entered the wrong password too many times, you can call the CCB credit card customer service hotline to unlock it and reset your password.

How to unlock the Agricultural Bank of China credit card if the password is entered incorrectly?

Hello, the method to unlock the Agricultural Bank of China card password is as follows:

1. Debit card transaction password within one day If you enter incorrectly three times in a row on various trading channels, you will be locked. You can bring your valid identity document and bank card to unlock or reset your password at any of our branches (on behalf of others). In addition, if you use personal mobile banking, you can click "Home → My Account", select the debit card to be unlocked, enter the "Debit Card Details" page, click "Password Unlock", enter the correct password and unlock it with your face After identification, unlock the password.

Warm reminder: For the security of your funds and information, please do not tell others your bank account number and password in any way, and do not tell others the SMS verification code sent to you by the bank in any way.

2. If you enter the wrong password three times in a row, your credit card will be locked. You can call our credit card customer service hotline 4006695599 to apply for password unlocking or reset.

Warm reminder: For the security of your funds and information, please do not tell others your bank account number and password in any way, and do not tell others the SMS verification code sent to you by the bank in any way.

(Answer time: April 4, 2022. In case of business changes, please refer to the actual situation.)

What should I do if my credit card is locked?

My credit card is locked There are many situations of locking. The following are the solutions:

1. The password is entered incorrectly. If the credit card payment password is entered incorrectly continuously, the card will be locked. The cardholder can bring their ID card and credit card to any bank branch to unlock the card.

2. Overdue. If your credit card is locked due to overdue payment, you need to pay off the balance first, and then the system will unlock it on its own.

3. Property is frozen. This situation involves a legal lawsuit, which needs to be resolved before it can be unlocked.

4. Risky transactions. Contact the bank to explain that your transaction is normal, and you can unlock it after good communication.

Let’s first look at the three reasons why your credit card is locked.

1. The password is entered incorrectly. If you enter the wrong password three times in total, your credit card will be locked. But now it is almost free of password for small amounts, and there are not many cases of being locked in this situation. If you enter the wrong password when making a large purchase and are locked, you can call the customer service of the card issuing bank to ask how to unlock it.

2. If a risky transaction is detected by the bank, the card will also be locked. Frequent large-amount cash withdrawals and large-amount cash withdrawals from POS machines. Some cardholders installed their own POS machines and swiped their credit cards, but no real transactions occurred. In some cases, the consumption amount was different from the actual price of the goods. If this happens, you must use the card wisely.

3. Locked after expiration. The consequences of being overdue are very serious. Not only will your credit report be hindered, but your card will also be locked if the card is seriously overdue. Therefore, if you use a credit card, you must pay it back in time.

Usually, when a credit card is blocked after it expires, it is considered a situation where the bank freezes the card. A locked credit card means that the bank card is in a state where payment cannot be made. After the credit card is locked, the cardholder cannot make withdrawals and other spending activities, and the money in the credit card cannot be touched. Currently, there are many reasons why credit cards are locked. Users who want to unlock their cards need to first understand the reasons why their credit cards are locked.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

This ends the introduction on what to do if your credit card password is locked and what to do if your credit card password is locked. Have you found the information you need?