In fact, stopping using credit cards does not completely mean closing credit cards. Mainly to find reasons. There are three common situations:
1. The credit card has expired. If the credit card is overdue for more than 1 month, the credit card application platform will control the credit card, and some cards may not be directly sealed, but their use will be suspended. You can't swipe your credit card if there is a limit. It is best to pay off the credit card debt, and then call customer service to apply for lifting the restrictions. As for whether the ban can be lifted, it depends on the audit results of the system. Pay attention to explain that you are not maliciously overdue when contacting the bank, give the reasons approved by the bank, and then ensure the full repayment on time. Banks can resume the use of credit cards.
2. The card is not standardized. Actually, it's cash by credit card. The system will compare the card swiping time, amount and merchant type according to the previous card using behavior. If you find abnormal trading behavior, such as spending money by swiping your card during abnormal business hours, you will suspend the use of your credit card. At this time, if the user can't provide relevant proof of consumption vouchers to dispel doubts, he will face a real card closure and the bank will not restore the card function for the user.
3. The transaction is risky. For example, some cardholders empty their credit cards at one time, or there are transactions in different places. In order to ensure the safety of funds, banks will suspend the use of credit cards and then call to verify whether they are spending for themselves. After verification, they will resume using credit cards. Users can call to apply for restoring their credit cards, and they can resume using them as long as they prove their actions to the bank.
Therefore, the suspension of credit card use may be caused by users' bad card use behavior. In order to avoid this situation, users should standardize the use of cards, maintain good card use behavior, repay in full and on time, and avoid bad situations such as overdue. In addition, users should also pay attention to using cards according to personal needs and repayment ability to avoid excessive consumption and maintain personal credit qualifications.