Nowadays, when people make daily purchases, they mainly use credit cards to make payment transactions, mainly because credit cards can be used as overdrafts, allowing users to spend easily. However, sometimes when using a credit card, the credit card will be blocked. So, under what circumstances will a credit card be frozen? How to avoid having your credit card frozen?

Under what circumstances will a credit card be frozen?

1. Credit card arbitrage. Cashing out with a credit card is both a violation and an illegal act. Therefore, if a user uses a credit card to cash out, the user's credit card may be frozen as long as it is discovered by the credit card application platform.

2. Overdue repayment behavior. If the user always fails to repay the credit card in full and on time, resulting in overdue payments. In order to give a warning, the bank may freeze the user's credit card and block the card to prevent the user from continuing to use it.

3. Abnormal behavior of credit card swiping. If a user always makes large transactions when using a credit card, or always makes purchases with the card during non-business hours, the bank may regard it as abnormal credit card swiping behavior. In order to avoid risks, banks may freeze users' credit cards.

4. The password is entered incorrectly. When using a credit card for transaction payment, you need to enter the transaction password. Generally, you will have three opportunities to enter the password. If the user enters incorrectly three times, the credit card may be temporarily frozen and cannot be used anymore.

If you want to avoid your credit card being frozen, you must first avoid credit card arbitrage. When repaying your credit card, you must also develop a good habit of repaying your credit card in full and on time, and maintain a good credit record. Come, the user's credit card will not be frozen. In addition, when using credit cards, everyone should try to avoid large transactions or frequent card swiping in a short period of time. Otherwise, it is easy for the bank to mistakenly think that the user has cashed out, resulting in the credit card being frozen. Therefore, the main reason why a credit card is frozen is because the bank believes that there is a risk in the user's credit card account, so it will freeze the credit card. If you don’t want your credit card to be frozen, you must use the card in a standardized manner, avoid any illegal card use, and repay the loan in full and on time.