What should I do if my credit card password is locked?
When using my credit card, many cardholders will be locked by entering the wrong password, which makes it impossible to swipe their cards. So, what should I do if I encounter this situation? It is natural to unlock the credit card password if it is locked, but the unlocking methods and requirements of different banks are different. Let's take a look at how to solve it.
1. What happened to the lock of the credit card password
The lock of the credit card password is basically because the wrong password has been entered many times in a row, which includes the transaction password and the inquiry password.
however, whether it's a transaction password or an inquiry password, the card will be locked if you enter it incorrectly for many times in a row, and it will be frozen automatically, so you can't spend it by credit card.
The number of input errors specified by different banks is different. For example, China Merchants Bank stipulates that credit card passwords will be locked if they are input incorrectly for three consecutive times; Bank of Communications stipulates that credit card passwords will be locked if they are entered incorrectly for six consecutive times.
second, what should I do if the password of the credit card is locked?
Different banks have different policies, and each bank's credit card needs different unlocking methods when the password is locked by mistake.
1. If the password of China Merchants Bank
is entered incorrectly for three times, it will be automatically unlocked at : the day after it is locked. If the inquiry password is locked, the cardholder can call the customer service hotline of China Merchants Bank Credit Card and transfer the manual service. After checking the cardholder's information, the customer service specialist will reset the inquiry password for you.
2. Industrial and Commercial Bank of China
If the cardholder has entered the wrong number three times, it will be locked. After being locked, the cardholder needs to bring the credit card and his valid ID card to the local credit card center for unlocking.
3. Bank of China
will lock it within 24 hours after three wrong entries. It will automatically unlock after 24 hours.
4. The transaction password of CITIC Bank
is locked, and the cardholder can only handle it through manual service by calling 4-889-5558. If the inquiry password is locked, the cardholder can try to reset it through online banking.
5. Bank of Communications
If the password is entered incorrectly for six consecutive times, it will be locked. Cardholders can only call the customer service hotline of Bank of Communications Credit Card Center at 4-8-9888, and reset it after manual unlocking. If the transaction password is locked, you can log on to the credit card center website, click Forgot Password, and then reset the password.
6. CCB
If it is locked due to too many wrong password entries, you can call the CCB credit card customer service hotline to unlock it and reset the password.
What should I do if the Bank of Communications card is locked?
What are the reasons why the Bank of Communications card is locked? First, if the bank card is locked due to continuous wrong password input, users need to bring their ID cards and bank cards to the Bank of Communications business outlets for unlocking procedures;
2. If the bank card account is locked due to personal overdue arrears, the user needs to pay off the arrears before going through the unlocking procedure;
3. If the bank card is locked due to judicial reasons, you need to cooperate with the investigation before the bank card can be unlocked.
you can go to the service outlets of the Bank of Communications and find staff to handle business. At the same time, we can also check the official telephone number of Bank of Communications online and ask our customer service about the specific situation of the bank card being locked.
Bank of Communications credit cards are divided into standard cards, co-branded cards and theme cards. The advantages of the standard card are: low application threshold and very fast withdrawal. Moreover, the longest interest-free period of our Bank of Communications credit card is 56 days, which can be said to be the longest record of interest-free credit cards in China.
1. Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy themselves, are more willing to struggle, and sometimes have the need to study, do business, investigate or travel abroad."
2. Bank of Communications credit cards are also a group of people with high living standards who are willing to try new consumption habits. " Pacific Credit Card of Bank of Communications is a credit card product created by Bank of Communications with the introduction of advanced technology and management from HSBC. It combines the advantages of both the global and the local, advocates a brand-new consumption culture and card experience with the theme of "China people's global card", and provides preferential treatment and intimate service all over the world.
3. This card captures the dual advantages of Bank of Communications and HSBC: Bank of Communications has more than 2,6 branches in more than 13 cities in China; As well as the Mianmi banking network system of HSBC, the second largest financial institution in the world, make this "China people's global card" shine brilliantly and bring a unique card experience. The cooperation between the two banks has also set an example for the development of international cooperation in China's banking industry.
4. a small credit card perfectly blends Chinese and western cultures. On the card faces of the Golden Card and the Puka Card, the Phoenix and koi fish, which symbolize honor and auspiciousness in the traditional cultures of the earth and China, are painted respectively. Taking the meaning of "the spirit of yue longmen carp and the prestige of phoenix dancing for nine days", the characteristics of China culture and HSBC's global service are fully integrated into a small card, giving an accurate interpretation of "China people's global card".
how to unlock the bank of communications credit card lock
after the bank of communications credit card password is wrongly locked for three times, the cardholder can only call the customer service hotline of the bank of communications credit card center at 489888, and then manually unlock it and reset it. The wrong password is locked to effectively protect the security of the card. If locked, the cardholder can also go to the card-issuing bank counter of Bank of Communications to unlock the business.
Generally, a bank card will be locked if the password is entered incorrectly for more than three times on the same day. If the inquiry password and transaction password of the credit card are entered incorrectly for six times in a row, the credit card will be locked. Therefore, users need to remember the password when handling related business, so as to avoid the subsequent situation that the credit card is locked.
Precautions for the use of credit cards:
1. Never cash out by credit card:
(1) Cash out means that after spending by credit card machine, the holder of credit card machine will return the credit card amount to the cardholder in cash, and deduct a certain handling fee. Of course, this handling fee is generally lower than that generated by direct cash withdrawal by credit card;
(2) The National Credit Card Law stipulates that cash is paid directly to credit card holders by means of fictitious transactions, false pricing, cash return, etc. By means of point-of-sale terminal equipment (POS machines). If the circumstances are serious, it shall be convicted and punished for the crime of illegal business operation according to the provisions of Article 225 of the Criminal Law. It is illegal to cash out.
2. Never use a credit card to raise a card
(1) Since you can't cash out, it's ok to cash out. There are many banks' credit cards. If you take out the cash from one credit card and pay back the credit card arrears from another bank, you will never have to pay back the credit card debts.
(2) Every time you withdraw cash, you have to charge a handling fee and interest. If you go back and forth like this, and you are still spending money with your card, the amount owed will continue to accumulate and will not be substantially reduced;
(3) This is a bigger and bigger snowball! When one day the credit card withdrawal limit runs out and there is not enough cash on hand, the capital chain is broken, the credit card repayment may be overdue, and your personal credit will be damaged in a chain, which will greatly affect the future refinancing card.
3. Don't spend money with credit cards:
It is fashionable and convenient to think that credit cards can spend money in the future. So when you get the card, you spend it unscrupulously, regardless of your own endurance. As a result, the amount of consumption increased sharply and it was impossible to repay.
4. Don't compare with the credit card limit:
(1) The colleague's limit is 4,, and his own is only 2,. No, it must be higher than the colleague's limit! So I tried every means to increase the quota. In fact, the amount of most credit cards is enough for cardholders to use every month;
(2) If the credit limit is too high, it will stimulate cardholders' desire to spend more, and may also affect other banks' applications for new cards and loans.
What should I do if I enter the wrong password of the credit card?
According to the regulations of Bank of Communications, if the inquiry password and transaction password of the credit card are entered incorrectly for 6 times in a row, the credit card will be locked, and you need to call the customer service hotline of the Credit Card Center of Bank of Communications at 489888 for manual or 95559 for manual credit card service to unlock and reset the password.
Bank of Communications, founded in 198, is one of the oldest banks in China and one of the note-issuing banks in modern China. On April 1st, 1987, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. In June 25, Bank of Communications was listed on the Hong Kong Stock Exchange and listed on the Shanghai Stock Exchange in May 27.
The business scope of Bank of Communications Group covers commercial banks, offshore finance, funds, trusts, financial leasing, insurance, overseas securities, debt-to-equity swaps and asset management. By the end of June 22, there were 245 branches of Bank of Communications in China, including 3 provincial branches, 7 directly affiliated branches and 28 provincial branches, with 3,25 outlets in 243 cities at or above the prefecture level and 163 counties or county-level cities. Its non-silver companies mainly include its wholly-owned subsidiaries Bank of Communications Financial Leasing Co., Ltd., China Bank of Communications Insurance Co., Ltd., Bank of Communications Financial Assets Investment Co., Ltd. and Bank of Communications Financial Management Co., Ltd., and its holding subsidiaries Bank of Communications Schroeder Fund Management Co., Ltd., Bank of Communications International Trust Co., Ltd., Bank of Communications Kanglian Life Insurance Co., Ltd. and Bank of Communications International Holdings Co., Ltd. In addition, Bank of Communications is also the largest shareholder of Jiangsu Changshu Rural Commercial Bank Co., Ltd. and the largest shareholder of Bank Co., Ltd., with a strategic shareholding in Hainan Bank Co., Ltd. and holding four rural banks.
the company's business includes: banking and finance project, tax payment, cash management, asset custody (securities investment fund custody, national social security fund asset custody, insurance fund custody, brokerage/directional asset management plan custody, enterprise annuity custody, international custody, trust fund custody, private equity fund custody, etc.), investment banking and financing business (accounts receivable transfer, guarantee business, loan commitment letter, credit certificate, buyer. Discount of commercial bills, loan-to-lending business of foreign governments, principal fixed assets loans, entrusted loans of export tax rebate accounts, overdraft of corporate accounts, principal working capital loans, interbank credit asset buyout business and interbank credit asset repurchase business).
small business users' business includes: loan application, one-stop business service, exhibition service, one-stop business service, investment and financing service, tax financing service, branch loan service, hand-in-hand service and benefiting farmers service.
international business includes: inter-bank services, international business services, foreign exchange wealth management services and foreign exchange trading services.
that's enough for the introduction of how to do if the traffic credit card is locked.