What should I do if my Bank of Communications credit card is frozen?

What should I do if my Bank of Communications credit card is frozen? Let’s talk about this topic with everyone.

01

First of all, if it is frozen, you first call the customer service of the bank where your credit card is used, and then ask about the situation and why the account was frozen.

02

If it is because you have not repaid the loan overdue, then you only need to pay back the unpaid amount, and then ask them to unfreeze it for you.

03

In addition, if you have cashed out, the bank will also freeze it for you. Then you have to negotiate with the bank and provide proof that there is no illegal cashing out, and then They will unfreeze it for you

04

Finally, what I want to say is that when using a credit card, you must pay attention to skills and methods. If you use it properly, it will generally not For freezing.

How to deal with the freezing of Bank of Communications credit card?

After the Bank of Communications credit card is frozen, the cardholder needs to proactively contact the bank to request for unfreezing. If it is overdue, the outstanding balance must be paid off first and the situation explained to the bank. If the bank agrees to unfreeze, the cardholder still needs to follow the original card opening steps to reactivate the card. The specific activation method is as follows:\r\n1. Activation by Bank of Communications credit card customer service phone number\r\nYou can call the number on the back of the Bank of Communications credit card Activate your card via the 24-hour customer service hotline indicated. For specific operation procedures, please follow the voice prompts. \r\n2. Bank of Communications Credit Card Online Activation Process\r\nYou can activate your credit card by logging into the homepage of Bank of Communications Credit Card Center and logging into Bank of Communications Credit Card Online Banking. \r\nFor more information on how to deal with a frozen Bank of Communications credit card, go to: View more content

Can a frozen Bank of Communications credit card be restored?

Can it be restored? Other banks can also restore it. Apply for a card.

First find out the reasons why the credit card is frozen:

1. If the credit card is frozen due to overdue credit card, the overdue amount should be repaid as soon as possible. After paying off the credit card debt, Cardholders can call the bank's credit card customer service center and explain the situation. Under normal circumstances, the bank will unfreeze the card. After that, the cardholder must repay on time each period and avoid overdue payments, because overdue credit cards will be included in personal tax. Too many overdue credit card applications will affect future loan applications.

2. If the credit card is frozen due to credit card cash-out, it depends on the circumstances. If it is not a subjective cash-out, but a cash-out that the bank mistakenly believes, the cardholder can call the bank's credit card customer service center to explain the situation and apply Unfreeze credit card.

3. If a credit card is frozen due to credit card fraud, the bank will generally unfreeze it after the fraud is resolved.

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.

The Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. "The Bank of Communications Pacific Credit Card is an advanced product introduced by Bank of Communications. The credit card product created by technology and management, which brings together the dual advantages of global and local, takes "Global Card for Chinese" as its theme, advocates a new consumer culture and card use experience, and provides preferential benefits all over the world. and attentive service.

How to restore a frozen Bank of Communications credit card

Solutions to a frozen Bank of Communications credit card:

1. Overdue repayments are frozen

Solution: You can repay the loan in full at this time, call customer service and ask for unfreezing. As a result, the credit limit may be reduced, but if the number of overdue payments is not many, customer service will generally unfreeze it.

2. Suspected cash-out is frozen

Solution: You need to provide your credit card consumption vouchers in the past year to prove that it is not an illegal cash-out. The bank will unfreeze it after verification and confirm that it is not a cash-out.

3. The card has been frozen due to fraud by others

Solution: The cardholder provides relevant information to prove that the card has been stolen, and the bank will help the cardholder track the credit card and unfreeze it.

IV. Other frozen situations

Solutions:

(1) Forgot your password, credit card transaction passwords are frozen if you enter incorrect passwords continuously, you need to call the customer service hotline thaw.

(2) If the online banking login password is entered incorrectly, the online banking will be frozen and will be automatically unlocked after 24 hours.

(3) Credit card pre-authorization freezes are usually automatically unfrozen within one month and will not exceed 50 days.

Extended information

Analysis of factors for credit card freezing:

1. Overdue repayment is frozen

If the credit card is overdue for repayment, The bank has frozen the credit card. It is recommended that the cardholder pay off the balance in full as soon as possible, and then contact the bank to explain that the overdue payment is not malicious. The bank will decide whether to unfreeze the credit card at its discretion. The longer the overdue period and the larger the amount, the more difficult it will be to unfreeze.

2. Credit card cash withdrawals are frozen

Cash withdrawals are the most intolerable behavior of banks, so cardholders should also pay attention to the amount when they are not allowed to do so, and the amount should not be too large , The frequency should not be too high, and do not use second-clearance POS machines. After your credit card has been frozen for cashing out, if you want to unfreeze it, you need to provide evidence to prove that you are not cashing out. It is recommended to keep the receipt.

3. The credit card is frozen for other reasons

If the card holder has frozen the card for reasons such as protecting the security of the card or entering the wrong password, the card holder should call the bank directly. Just call customer service to apply for unfreezing.

In short, if your credit card is frozen, you need the consent of the bank to unfreeze it. In order to ensure the normal use of your credit card, you must avoid illegal or untrustworthy behavior, otherwise it will be difficult to unfreeze your credit card.

This is the introduction of what to do if the Bank of Communications credit card is frozen.