As we all know, rational use of credit cards is the long-term solution. Don’t wait until your credit card is blocked by the bank before you regret it. Although freezing a credit card is not the most serious penalty, the cardholder is temporarily unable to use the credit card for consumption, which brings a lot of inconvenience to people who are accustomed to credit cards. So if you encounter icy conditions, you need to be cautious.
1. The account has been stolen.
In this case, the first thing to do is to contact the card issuing bank to stop or cancel the transaction as soon as possible. Then go to the local police station to report the crime, provide stolen credit card information, contact the merchant to provide evidence, and law enforcement will help track it down!
If your credit card is stolen, it will be frozen by the bank for about 6 months. You need to report the loss to the bank first, then get a replacement ID card, and then you can unfreeze it.
2. Frequently swiping credit cards
If the cardholder frequently makes large purchases or withdraws cash, UnionPay will become suspicious of the cardholder. In this case, if the circumstances are minor, the bank will reduce the cardholder's credit card limit; if the circumstances are serious, the bank will freeze the credit card due to suspicion of cashing out.
If it is frozen in this case, you can submit the consumption basis to the bank to prove that it is not an illegal cash out. If there is no illegal cash out, the bank will confirm the unfreezing!
3. The password was entered incorrectly three times.
If you enter an incorrect password three times in a row, your credit card will be frozen. If the credit card is locked, the cardholder can call the credit card's customer service hotline and transfer it to manual service for processing.
4. Expired
This is quite serious. Make a phone call to find a way to restore the right to use the credit card to ensure that it will not be overdue in the future and that repayments will be made on time. If you cannot repay the loan in full, you must repay it in time according to the minimum repayment amount to avoid affecting your personal credit score.
After your credit card is frozen, you should contact the bank as soon as possible to understand the reason, and then take corresponding countermeasures. In the case of an application to be unfrozen, it usually takes two working days to complete processing. If it cannot be unfrozen, the credit card center will contact the cardholder to inform them. This also varies from place to place.
In short, when using your card, you must protect your credit card and try not to freeze it. Although it will not be recorded in the credit reporting system, it will also affect some comprehensive scoring factors.
-End-Related questions and answers: How to unfreeze an overdue credit card and bank card. The method of unfreezing an overdue bank card depends on the type of freeze. If it is caused by accidentally entering the wrong password when using a credit card, you can go to the offline branch of the credit card with your ID to unlock it. Some banks' credit cards will automatically be unlocked the next day; if it is due to unfulfilled payment, If it is frozen due to a court judgment, you can apply for unfreezing after completing the obligations in the judgment.
Extended information: When using a credit card, consumers should keep the following things in mind: 1. Handle it through formal channels and do not blindly pursue high amounts and high consumption. When applying for a credit card, you must apply for a reasonable credit card limit based on your own needs, cultivate good financial awareness and concepts, carefully read the credit card contract when applying for a card, be aware of the card service content and related rights and obligations, and be aware of your obligations while safeguarding your own rights. . Follow the bank’s formal channels for processing, and don’t believe in the traps of third-party agencies such as the Internet that handle high-value cards. 2. Do not participate in illegal cash out or use cards illegally. You should use credit cards according to your own financial capabilities, reasonably arrange personal expenses, and develop good card usage habits. Do not use credit cards to withdraw cash for the sake of small immediate profits, nor use personal credit cards in non-consumption areas such as production and operation, home purchase, investment and financial management, to avoid violating the requirements of regulatory agencies and causing the credit card to be reduced or frozen by the bank. Cards cannot be lent to others at will, even among relatives and friends, to prevent criminals from using credit cards for malicious overdrafts. 3. Repay your loan on time to avoid overdue payments and affect your credit score. When using the card, please remember the credit card statement date and repayment date, check the credit card statement in a timely manner, and return the credit card amount on time according to the bill amount. Do not default on payments overdue, which will result in a bad personal credit record, which will affect future credit card and loan applications, and even affect transportation. 4. Pay attention to card security to avoid being stolen by others.
When swiping your card, please choose regular and large merchants. Stay vigilant when swiping your credit card at small merchants or mobile stalls. Be sure to pay attention to the environment where the card is swiped and never let the card leave your sight. When consuming online, confirm the authenticity of the website before proceeding with the transaction. Keep the card properly and do not store it with passwords or ID documents to prevent the card from being swiped after it is stolen. Be vigilant when receiving suspicious text messages or phone calls, and first contact the bank’s customer service hotline to verify their authenticity. If you encounter card fraud, please contact the bank as soon as possible to freeze it, go to the bank as soon as possible to deny the card use application, and report the case to the public security agency in a timely manner.