1. What should I do if my credit card is temporarily controlled?

First: Apply for deregulation through customer service. If the control can be lifted, generally 2 Processing completed within 1 working day.

If the control cannot be lifted, the bank's credit card center may contact the customer to inform them of the reasons and processing results (which vary from place to place). Of course, if the customer's reservation information is incomplete and the bank cannot notify the cardholder, then You can only apply at the card center counter.

Therefore, I can call the bank’s customer service hotline to inquire about the reason for the freeze, so that corresponding measures can be taken to deal with it.

Second: If you want to use your credit card smoothly, you must repay no less than the minimum payment amount on the final payment date every month.

Otherwise, not only will you be charged late fees, but your personal credit record will also be affected. In serious cases, your account may be frozen by the bank or even your card may be blocked.

2. There will be no consequences if the credit card is overdue

1. Overdue interest will be charged

After a user uses a credit card to overdraft, it usually takes more than 20 days Interest-free repayment periods ranging from more than 50 days. If the cardholder fails to fully repay the overdraft within this interest-free repayment period, the cardholder will no longer enjoy the bank's interest-free treatment for all expenses incurred last month, and the recurring daily interest rate is as high as 0.05%. , that is, the annual interest rate reaches 18%.

2. Credit card late payment fees will be incurred.

Credit card late payment fees refer to the fees that the cardholder should pay to the card-issuing bank according to regulations when the cardholder fails to repay before the due payment date (inclusive) or the repayment amount is less than the minimum repayment amount. At present, the standard for late payment fees of most banks such as China Merchants Bank, China Construction Bank, ICBC, and Shenzhen Development Bank is 5% of the unpaid portion of the minimum repayment. The minimum late payment fee for CCB Long Card is RMB 5, while the minimum late payment fee for CMB Dual Currency Credit Card is RMB 10. Yuan or 1 US dollar.

3. It will produce a bad credit record.

Overdue repayments by credit card users will be recorded as bad credit records, and the basic database of personal credit information has been networked nationwide. As long as residents have handled loan business at banks, applied for credit cards, or provided services to others, If you pass a guarantee or other acts, you can check the credit report at any domestic commercial bank.

If a credit card is temporarily controlled, you can contact the staff of the credit card issuing bank and apply for decontrol. Of course, the staff will also conduct a certain review on this. If it is found that the control cannot be lifted , the other party will be notified in a timely manner, and can be processed based on the reasons provided by the other party. Because there may be overdue.