Many young people now choose to apply for a credit card. Some will use it for daily consumption, while others will use it as emergency reserve funds. But if your credit card is not used correctly, it is very likely that it will be blocked. So let’s find out how long it usually takes to unblock a credit card?

How long does it take to unblock a credit card?

The time to unblock a credit card depends on the specific situation:

If the credit card is overdue Resulting in a freeze, the overdue time is within 30 days, and the freeze can be completed on the same day as long as the debt is paid off.

If the overdue time is between 1-3 months, the bank will conduct a period of inspection before unfreezing the user.

If it is overdue for more than 3 months, the bank will permanently freeze your credit card and cannot unfreeze it.

If the freeze is caused by a credit card cash-out, and if the bank mistakenly recognizes the cash-out, the cardholder can call the bank to explain the situation. The bank will verify the actual situation and it will take 1-3 working days to unfreeze. ; If the bank has enough evidence to prove that you cashed out, the credit card may not be able to be unfrozen.

What should I do if my bank credit card is frozen?

1. If your credit card is frozen due to overdue repayment, pay off the balance in full as soon as possible, and then contact the bank to explain that the overdue payment is not malicious. The bank will decide at its discretion whether to unfreeze;

2. After being frozen due to credit card cash-out, if you want to unfreeze, you need to provide evidence to prove that you are not cashing out, and it is recommended to keep the receipt;

3. If the credit card is frozen because the cardholder protects the security of the card or enters the wrong password, you can directly call the bank's customer service number to apply for unfreezing.

The time required to unfreeze a credit card mainly depends on the reason for the freeze. If it is only overdue and the overdue time is not long, it can basically be unfrozen very quickly.