When the bank system monitors the cardholder's credit card usage record and detects abnormalities, it will carry out risk control, card blocking and other operations to reduce the credit limit. So, under what circumstances will a credit card be blocked? Let’s find out together below.

1. What circumstances will cause the card to be blocked?

1. Overdue

The first thing to talk about is the issue of late submission. Sometimes, if a credit card is overdue, no payment will be made, and the most you will pay is some interest. However, if you still haven’t paid the debt after receiving text message reminders, phone calls, etc., and you haven’t paid the bills for two consecutive periods, there will be a problem.

At this time, the bank will directly freeze your credit card. At this time, the credit card can only be used for deposits but not for consumption, that is, you can only repay the money and cannot continue to use the card. After paying off the outstanding balance, some banks can unblock them.

2. Abnormal transactions

If the bank suspects abnormal transactions or other irregularities, the credit card itself will be blocked directly.

3. Risk issues

If it is found that the cardholder’s credit card has transaction abnormalities, suspicion of being stolen and other risks, the bank will also take measures to block the card in order to protect the rights and interests of the cardholder. . If the transaction was signed by me, you can call the bank to explain and unblock the card.