What to do if your credit card is locked

If your credit card is locked, you should first find out the reason why it is locked. Once you know the reason why your credit card is locked, you can then find a solution based on the reason. Common reasons for credit card being locked include: 1. Entering the wrong password. 2. Account risk. 3. Long-term debt arrears.

1. The password is entered incorrectly. If a credit card holder enters too many incorrect passwords when using the credit card to make purchases, transfer money to others, or log in to the credit card account management center, the credit card will be temporarily blocked by the system in order to reasonably avoid risks.

You can ignore the problem of your credit card being locked and it will be unlocked on its own the next day. If you are in a hurry to use the credit card, you can take your personal ID card to the nearest bank to report the loss first, and then reset the password.

2. Account risk. If the credit card holder engages in irregular behavior when using the credit card (such as cashing out the credit card, using the card to finance loans, etc.), the credit card account will be deemed by the system to have a fund security risk or the card may be suspected of being stolen. , and lock (or freeze) it.

When a credit card account is locked due to financial security risks, the cardholder needs to bring the original ID card to the counter of the card-issuing bank to apply for unlocking (or unfreezing) in person, and inform the bank of the recent purpose of the credit card transaction. . Some banks may charge certain fees for unlocking services.

3. Long-term debt arrears. When a cardholder uses a credit card, if the credit card repayment is overdue, the bank will usually charge overdue interest as a reminder when repaying the payment, and will not block the credit card immediately. But if you fail to pay off the balance for three consecutive months, the bank will block the credit card.

If your credit card is locked due to long-term debt, the most important thing is to find a way to pay off the debt first, and then maintain normal business dealings with the card-issuing bank for at least three months. An application for unlocking can be made to the bank.

How to solve a locked credit card

Solution to a locked credit card:

1. If the password is locked after entering the password three times by mistake, you can bring the credit card with you. Go to the bank with your ID card to unlock it and set a new password.

2. If your credit card is locked due to overdue payment, you need to pay off the debt in time, otherwise it will affect your personal credit score.

3. When the bank detects that your credit card is subject to transaction risks, it will be locked. At this time, you can contact the bank and explain your transaction status. It is a normal transaction and it can be unlocked.

4. When you have a property lawsuit, your credit card will also be locked. When the lawsuit is over, the credit card will be automatically unlocked.

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How to unlock a locked credit card

Solutions to a locked credit card:< /p>

1. If it is locked by mistake after entering the password three times, you can go to the bank with your credit card and ID card to unlock it and set a new password.

2. If your credit card is locked due to overdue payment, you need to pay off the debt in time, otherwise it will affect your personal credit score.

3. When the bank detects that your credit card has transaction risks and will be locked, you can contact the bank and explain your transaction situation. It is a normal transaction and it can be unlocked.

4. When you have a property lawsuit, your credit card will also be locked. When the lawsuit is over, the credit card will be automatically unlocked.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can be used for ordinary consumption without cash in the card. In many cases, you only need to return the consumed amount on schedule.

You can use overdrafts without deposits, and you can enjoy an interest-free period of 20-56 days for on-time repayment without any interest charges (most banks will charge an interest of 50,000 cents on the day of cash withdrawal, and There is a 2% handling fee. ICBC cash withdrawals are free of handling fees and only charge interest).

Swiping your card when shopping is not only safe and convenient, but also provides points for gifts.

You can enjoy discounts when you use the card at the bank's designated merchants.

Accumulate personal credit and add a record of integrity to your credit file that will benefit you throughout your life.

It is accessible nationwide and you can withdraw money or make purchases by swiping your card at ATMs and POS machines with the UnionPay logo; (Note: Credit cards are only suitable for consumption and swiping. It is best not to withdraw cash. The handling fee for cash withdrawals is very high and very inconvenient. Cost-effective)

Swipe card purchases, collect existing points with some credit cards, and offer a variety of discounts and lucky draws throughout the year, so you can always be surprised as long as you use the card; (most credit card online payments do not have points, but online shopping payments Very convenient and fast)

Free mailed statements every month, allowing you to transparently control every consumption expenditure; (now promoting green environmental protection, paper statements can be canceled and changed to electronic statements)

The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.

The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

400 or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

Have validity period: It is known that the validity period of domestic credit cards is generally three or five years.

Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) for business cooperation to provide cardholders with preferential services.

What should I do if my credit card is locked?

What should I do if my credit card is locked?

The reasons why the credit card is locked:

1. Entering the wrong password more than 3 times when logging into online banking;

2. There are risky transactions;

3. Failure to repay the loan on time.

Generally, credit cards are locked because you enter the wrong password too many times when withdrawing money or making inquiries. If you enter the wrong password more than three times when logging in to online banking, online banking will temporarily block your bank account. It usually returns to normal the next day, and you can log in by entering the correct password. If your bank card is locked due to too many incorrect password entries when withdrawing money or making inquiries, you can only ask the bank's service staff to reset or retrieve your password.

How to unlock your credit card:

1. Call the credit card customer service hotline and follow the voice prompts to ask customer service to unlock it.

2. I take my credit card to the counter of the same business outlet and ask the salesperson to handle the unlocking procedure. There is no handling fee.