When using a credit card, once the user has any violations such as overdue, the credit card application platform will control the credit card for the safety of funds. Although the card will not be sealed directly, it will be suspended. At this time, even if the credit card has a limit, it cannot be used normally.

Therefore, Bian Xiao suggested that you avoid the credit card behavior when using the card, or pay off the debt in time after it is overdue, and then contact the bank customer service to apply for lifting the restriction. Explain the reasons for overdue. Generally speaking, banks will agree to lift the restrictions. However, if it is not repaid in time for more than 90 consecutive days, it will be blacklisted by the bank. At this time, the restriction cannot be lifted, and the overdue records will be uploaded to the central bank's credit information system by the issuing bank.

2. The card is not standardized

In order to ensure the safety of funds, the system will compare the time, amount and merchant type of card users from time to time according to the past card use behavior. If it is found that the user's recent trading behavior is abnormal, such as spending money by swiping the card during abnormal business hours, and the amount of swiping the card is not equal to the type of merchant, then the use of the credit card will be suspended.

At this time, if the user does not cash out, but is wrongly operated by the issuing bank, then the cardholder can explain the situation to the issuing bank, submit a real and effective trading platform to prove that he has not cashed out, and dispel the bank's concerns, then the bank is likely to agree to lift the restrictions.

3. Foreign exchange transaction risk

Once the bank's risk control system recognizes the behavior of swiping credit cards at one time or trading in different places, the bank will suspend the use of credit cards in order to ensure the safety of funds.

But under normal circumstances, the bank will contact the cardholder to confirm whether it is for their own consumption. After verification, the credit card will be restored. Of course, you can also contact the bank yourself, make it clear to the bank customer service that it is my card use behavior, and resume using the card within 2 working days after verification.