If the cardholder is shut down due to too short overdue time, the cardholder should repay the bank arrears in time. After the cardholder returns the arrears, the bank will review the cardholder again. After the approval, the bank opens a credit card; If the audit fails, the bank will not open. The cardholder is overdue for a long time, leaving a bad credit record in the personal credit information system of the central bank. Banks will extend their business hours indefinitely; If the cardholder maliciously refuses to repay the loan within the time limit, the bank will not open it.
1, the road after the credit card is blocked
After the credit card is blocked, the cardholder had better take the initiative to contact the staff of the bank credit information center and ask why the card is blocked. The reasons for blocking the card are different, and the time for opening the card is different. As long as there is no violation, it will be opened after contacting the staff on the same day. Bank cards are frozen in one direction, and can be automatically unfrozen in about six months, and the latest unfrozen time is nine months. If the cardholder's bank card is frozen by the court for related reasons, it will generally not exceed six months, if the movable property is sealed up or detained, it will not exceed one year, and if other real estate assets are sealed up or frozen, the period will not exceed two years.
2. The reason why the bank card is frozen
There are many reasons why bank cards are frozen, such as laws, cases, or frequent transfers by users being monitored by anti-money laundering. When the former will be opened depends mainly on the investigation results of the public security organs. If there is no problem after investigation, it will be unsealed in time. The latter also needs to review the banking system. For example, if the user's behavior is judged and the transfer operation is in compliance, the card will be opened. After the user finds that the bank card is frozen, please contact the issuing bank in time.
3. The main reasons why savings cards are frozen are bank freezing and judicial freezing.
Once the cardholder is involved in digital asset transactions or illegal transactions, the bank will freeze the cardholder's savings card or restrict some transactions of the cardholder. Moreover, in the case of large amount of late-night transfer, multi-person daytime transaction and long-term no balance in the card, the issuing bank will directly take measures to seal the card. Generally speaking, if the use of savings cards is not standardized, they will also be sealed. In addition, when consumers are cheated or cheated, the police can freeze or temporarily seal up the savings cards involved in the transaction. At the same time, personal sensitive information, including non-performing loans, executors, criminal information, fraud, etc., is also a common way to deal with the closure of savings cards.
4. Common causes and treatment of bank card freezing
During the use of self-freezing bank card, the bank card is frozen and cannot be traded. If you intentionally enter the wrong password three times in ATM/ online banking/mobile banking, the card may be frozen. Call the bank to report the loss orally, and go to the bank counter to cancel the bank card with your ID card and bank card. Bank freezing triggers the bank's anti-money laundering system, such as late-night large-sum transfer, multi-person daytime transaction, credit card cashing and other special circumstances, overdue credit or frozen deposit account. When the balance of other special circumstances is less than 100 yuan, the bank card will be frozen if it is not used for a long time. For example, according to the regulations of CCB, if the bank card balance is continuously lower than 100 yuan, it will be frozen after three years. If the bank card is not released within one year after freezing, it will be cancelled within one year after freezing, that is, it will never be used.