How to unfreeze a frozen credit card

The method to unfreeze a credit card is as follows:

1. If the cardholder is frozen due to overdue payment, the cardholder must Pay off the outstanding balance in a timely manner and apply to the card-issuing bank to unfreeze your credit card. The card-issuing bank will handle the unfreezing procedure as appropriate.

2. If the credit card is frozen due to abnormality, the cardholder can go to a bank branch for identity authentication or change to a new credit card.

3. If the card is frozen due to suspicion of cashing out, the cardholder can provide recent credit card consumption vouchers and apply to lift the freeze.

4. If the property is frozen, you can only apply to the bank for unfreezing after the lawsuit is over.

Extended information:

Why credit cards are frozen

1. Repeated or malicious late repayments on credit cards

The bank will Overdue repayments on credit cards will charge interest and liquidated damages. Serious overdue repayments will cause the credit card to be frozen, and the bank will report it to the central bank's credit reporting system. Some credit card users fail to repay in time after swiping the card for consumption, are overdue for a long time or have a large overdraft amount. If the bank's reminder fails, the credit card will be frozen.

It is worth noting that some types of bank loans will freeze your credit card due to multiple overdues.

2. Wrong credit card use posture

After the bank issues a card to you, it does not mean that you can let yourself go. The bank will supervise the use and transactions of the credit card. If you If illegal operations are detected, banks can easily detect them. Once the bank finds out that it is true, the credit card will be reduced or frozen.

3. Lost credit card or other abnormalities

Some users have lost their credit cards. In order to prevent property losses caused by theft, they will ask the bank to temporarily freeze their credit cards.

If there are risk control transactions in the user's credit card, such as: multiple consecutive large-amount transaction records, foreign website or offline consumption transactions, simultaneous card swiping transactions in two places, etc., the bank will feel Your credit card is used abnormally. In order to protect the safety of the user's credit card funds, the bank will actively freeze the credit card.

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How to unfreeze an overdue credit card?

A credit card that is overdue and frozen must be repaid in full. If it is overdue, It's not serious. As long as the credit card center confirms that the cardholder's debt has been paid off, the bank's customer service will handle the unfreezing process for the cardholder. In addition, don’t cancel your credit card just because the credit card has been frozen, because the central bank has clearly stipulated that the maximum retention period for bad credit records is 5 years. The personal credit report will show the credit records of the last 24 months. If the account is closed, this information Updates will stop.

1. Credit card, also called 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.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled. The lower limit is 0.7 times the daily interest rate of 0.5%).

5. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit.

However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

6. Credit cards are generally special carrier plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name and other contents are printed on the front, and the name of the cardholder is printed on the back. Chip, magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

How to unfreeze an overdue credit card that has been frozen

You need to pay back the money on the credit card first. After paying off the money, you can call the customer service hotline of the bank where you applied for the credit card for consultation and ask for the original reason. Depend on. If you need to go to the bank counter to unfreeze, you need to go with your ID card and credit card.

Credit card overdue is a common phenomenon when we use credit cards. Especially recently under the influence of uncontrollable factors such as the epidemic, sometimes it is inevitable to fall into the vortex of credit card overdue. In order to reduce the impact of credit card overdue on our own life and personal Regarding the impact of credit reporting, you can understand in advance the four stages of overdue credit cards and the corresponding bank processing consequences.

Credit card overdue stage:

Overdue for 1-3 days. Cardholders who frequently use credit cards generally hold a large number of credit cards. In the process of continuous credit card repayment, it is easy to fail to repay on time or miss a certain credit card. Banks generally have an understanding attitude towards this situation and provide 1-3 days of delay service. If the cardholder pays off the balance within the service period, the bank generally does not report it to the central bank's credit reporting system, which has little impact on personal credit reporting.

Overdue for 3-30 days. When a credit card is overdue to this stage, the card-issuing bank will remind the cardholder to repay through text messages, phone calls, etc., and will begin to charge fines and liquidated damages caused by the overdue credit card. The collectors during this period are generally bank staff with good attitudes, easy communication, and will not affect their own lives. However, it is worth noting that the overdue credit card during this period has been included in the personal credit report. However, if the outstanding balance can be paid off in time, it is possible to eliminate the impact on the personal credit report through negotiation with the bank.

30-60 days overdue. At this stage, credit card overdues have become more serious, and bank staff have begun to increase the frequency of collections from cardholders and have begun to contact cardholders' relatives and friends. The normal life of the cardholder will also be affected at this stage, because the impact of an overdue credit card on personal credit cannot be eliminated, and it will cause inconvenience to future house purchases and other loan businesses. During this period, credit card holders should seek help from family and friends and try their best to repay the bank or express their willingness to repay, so as to avoid being regarded as a malicious overdraft by the bank.

60-90 days overdue. During this period, if the cardholder fails to negotiate or repay with the bank, the bank will determine that the cardholder has malicious overdraft behavior and entrust a third-party collection agency to force the cardholder to collect the money. Cardholders are often harassed by collection agencies and even threatened and verbally threatened. If the cardholder still fails to repay or is not willing to repay after three effective collections from the bank, the lawyer will issue a lawyer's letter to the cardholder.

90-120 days overdue. Under normal circumstances, if the cardholder fails to repay or negotiate with the bank within 25-30 days after the card-issuing bank issues a lawyer's letter to the cardholder, the cardholder will receive a bank summons. If the amount owed exceeds 50,000 yuan, The cardholder will bear corresponding criminal liability.

Therefore, in order to avoid this situation, cardholders should actively communicate with the bank at this stage, express their willingness to repay, and negotiate a suspension of interest rates. After successful negotiation, they will stop penalty interest and collection, avoid banks, and extend the repayment period. Some banks will also reduce some liquidated damages that have been incurred.

How to unfreeze an overdue credit card?

After the card is frozen, just pay off the debt and unfreeze it. As long as the credit card center confirms that your debt has been paid off, it will immediately handle the unfreezing process for you. After the card is unfrozen, your credit card can be used. . You should keep your card active for at least 2 years after activating it to avoid having a bad credit record that will have a negative impact on future applications for credit cards or personal loans.

I would like to remind everyone that once the cardholder is unable to pay off the debt on time, it will be reflected in the personal credit report. According to the "Credit Report Management Regulations (Draft for Comments)" of the Central Bank It is stated that the maximum retention period for bad credit records is 5 years, and only the credit card records of the past 24 months will be displayed in the personal credit report.

That’s all for the introduction on how to unfreeze an overdue credit card.