1. Overdue repayment is frozen.
If the cardholder often fails to repay for a long time, the bank will freeze the card in order to control the risk. In this case, the cardholder's spending on the card will be restricted and the payment will not be successful. If he wants to resume normal use, he needs to pay off the arrears first, and then apply to the issuing bank for unfreezing the card. However, it is likely to be downgraded after thawing, and it can only be lifted slowly in the future.
2. There is a risk of card theft.
Abnormal credit card status may also be caused by abnormal consumption. It may be because the bank has detected the risk of your card being stolen, so in order to avoid losses, it will freeze your credit card in time. If it is my consumption, I should explain the situation to the bank quickly, but if it is really stolen, I should call the police in time.
3. Wrong password
If you enter the wrong password three times in a row when using a credit card, the card will automatically lock to avoid risks. In this case, consumption is definitely abnormal. If you want to return to normal, the cardholder needs to bring the ID card to the issuing bank to change the password, and then you can use it normally.
4. Degaussing the card
Credit cards rely on the magnetic stripe on the card. If the magnetic stripe is damaged and demagnetized, the card will not be used normally. It is recommended that you contact the issuing bank for a new card.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standard for public services was formally implemented, and the English names of credit cards were specified.