1. Overdue repayment (overdue online loan), non-payment of debt, etc. are suspended. In this case, it is possible to resume use only by paying back the debt to the credit card, and it needs to be maintained. The cardholder proactively contacts the bank to apply for restoration of usage rights.

2 Abnormal transfers, large cash withdrawals or high-frequency cash flows are discovered by the bank and the card is suspended. In this case, it is difficult to unblock. It is recommended to contact the bank to explain the situation and wait for the bank Approval can restore card usage rights.

3 For customers with long-term empty cards and high debt, I understand that the usage limit in 6 months exceeds more than 90% of the bank's credit limit. For a card worth 100,000 yuan, if you use more than 90,000 yuan, it is high debt. , in this case, it is recommended that each credit card swipe should not exceed 30% of the total amount and do not swipe it all.

4 There is also a case where the judicial authority applies for freezing due to debt disputes. This situation depends on the specific circumstances.

Based on the above, the general situation of people whose cards have been blocked is: overdue online loans, overdue credit reports, long-term empty cards, and high debt. We always need to know that we should consume ahead of schedule within our ability, and we must not be overdue under any circumstances. Whether it is a credit card or a loan, the money we owe will have to be paid back sooner or later.