Many cardholders believe that credit cards will only be subject to bank control if they are overdue. But in fact, credit cards will also be subject to bank control if they are not used for a long time. So why is this? Let’s watch together.

If you encounter such a situation, it is recommended to check the status of your credit card account first to see if it has been stopped by the bank, risk control, or frozen. If the status is normal and there are no overdue or bad card usage behaviors, it may be It is the bank that controls credit cards in order to protect the safety of customers' funds.

Take China Construction Bank’s credit card as an example. If the credit card does not have any transaction records within 180 days, it will be subject to transaction control. The bank will suspend credit card non-counter transactions, which means that the credit card cannot be used for swiping purchases or Withdraw cash, we need to lift the restrictions at this time.

How to solve it?

Take CCB credit card as an example, there are three solutions.

1. Reply to text message: After the CCB credit card is controlled, you will receive an identity verification text message from CCB. The cardholder can release the control as long as he replies to the other party within the specified time.

2. Cancellation by phone: Call the customer service hotline 95533, and then select "2-Credit Card" according to the voice prompts to transfer to manual processing.

3. Processing at bank outlets: Cardholders can go to any CCB outlet and provide their valid ID card + credit card. After the staff verifies their identity, the control can be released.