1. What are the reasons for the credit card being stopped?

1. First of all, it may be caused by overdue repayment of credit cards. If the overdue time is too long, the bank will think that there is malicious overdue behavior and unilaterally terminate the use of credit cards. This is due to credit risk. Generally speaking, it is not very serious, and the card will not be stopped easily because it is overdue.

2. There may be suspicion of cashing out credit cards. In this regard, banks are still severely hit. If the cardholder uses it frequently and the POS machine consumes a lot or withdraws cash, the bank will freeze it. In addition, sometimes when the credit card is lost or stolen, the system will find an exception. In order to prevent losses caused by stolen brushes, banks will also stop using them.

second, how to resume the use of credit card suspension

1. If the credit card transaction is abnormally stopped, the user can call the bank customer service phone to apply for recovery or ask the bank to reissue a new card. If the cardholder is stopped due to overdue repayment, pay off the arrears first, and then call the bank customer service to apply for recovery, but the probability and speed of recovery depend on the bank.

2. If you are stopped because of the suspicion of cashing in your credit card, it depends on whether it is personal cashing or stolen cashing in your credit card. If the user and bank customer service explain the situation, submit a complaint and resume use after approval. If it is a subjective cash, it is generally temporarily impossible to recover.

third, can we negotiate the installment after the credit card is stopped?

1. after the credit card is suspended, if it is overdue, it can't be paid off in one lump sum, so we can only negotiate with the bank to repay it in installments. It's just that the lifting of the ban may be longer, and the probability of successful negotiations is hard to say.

It is especially important to note that you should not think about simply not returning your card after it is stopped. In this era of big data, you can't escape.

2. If you don't negotiate with the bank, you will change your address and mobile phone number. If the bank can't contact, it may contact the cardholder's family. In addition, we should know that personal information and credit status will be recorded in the central bank's credit information system since the credit card is processed. If the credit information is not good, the bank is basically insulated.

in special circumstances, you can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.