Due to the following reasons, the CITIC Bank credit card has a balance but cannot swipe the card:

1. Entering the wrong password multiple times results in the account being frozen. In this case, the card will usually be unfrozen automatically within 24 hours. Cardholders can also call manual customer service to apply for unfreezing;

2. The card is swiped too frequently. Generally speaking, if the card is swiped 20-30 times a day, the bank will freeze the account due to the bank's relevant regulations and risk control;

3. Exceeding the credit card limit. If the cardholder uses the credit card online to exceed the transaction limit, the account will be frozen;

4. The credit card is temporarily frozen. Generally speaking, when a credit card may be stolen, the bank will temporarily freeze the card. But don't worry about this situation, it will usually be lifted automatically in about 7 days;

5. The remaining credit limit of the credit card is insufficient. If the remaining credit limit of the credit card is not enough to cover the cardholder's consumption amount, even if the credit card has a balance, the card cannot be swiped, so you need to wait for the balance to be paid off before using the credit card for consumption.