1 The password was entered incorrectly and locked.

If the number of incorrect passwords is exceeded, the credit card will be locked. Usually, a credit card password will be locked if it is entered incorrectly for three times.

2. The credit card is locked after it is overdue.

Overdue will have many effects, not only affecting credit information, but if the cardholder's credit card is overdue seriously, the bank may lock the overdue card and make it impossible for the cardholder to use it.

3 There is a risk that the transaction will be locked.

Cardholders frequently use pos machines for large consumption and cash withdrawal. Moreover, credit cards are often swiped, and it is easy to be locked without real transactions.

I have to say that there is a big difference between the amount of credit card consumption and the actual price of goods. Repeated transactions in the same business will also be locked. Moreover, credit cards involve property issues, and credit cards may be locked and temporarily unable to conduct transactions.

What is a credit card?

Creditcard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by banks to individuals and units, so that they can shop, spend and deposit and withdraw cash from banks. The form is a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, they will make repayment on the bill date.

2065438+On April 5, 2006, the central bank issued the Notice of the People's Bank of China on matters related to credit card business, canceling the late payment fee for credit cards, introducing liquidated damages, and prohibiting the collection of over-limit fees. The new regulations came into effect on April 20, 2007.

Debit card is an ordinary savings card, and its account attribute is current deposit account, which can be used for consumption, atm deposit and withdrawal, etc. Credit cards can be used for spending, atm deposits and withdrawals, etc. The biggest advantage is that you can overdraw (with a certain credit limit).

Generally speaking, bank cards are divided into credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

What do you mean the credit card is locked?

The most common reason why credit cards are locked is the wrong password. Once the password is entered incorrectly for more than 3 times, the credit card will be locked.

(1) Once the credit card is overdue for 2-3 months, the bank will also lock it;

(2) Once the bank's risk control system detects that the cardholder has cashed out, it will lock its cashed out bank card.

1. Due to the incorrect password entered more than 3 times during login, online banking will temporarily seal the cardholder's bank account. Generally, you can return to normal the next day, and then enter the correct password to log in;

2. If the credit card is locked due to too many wrong passwords when withdrawing money or inquiring at the ATM, you can only go to the bank counter to find the bank staff to reset or retrieve the passwords;

3. When the credit card is locked, you can call the bank credit card customer service hotline to apply for unlocking, and you need to reset the password if necessary. Once the credit card is successfully unlocked, it can be used normally;

4. How to unlock the overdue lock of the credit card:

(1) Repayment is the most important thing for overdue locked credit cards. No matter whether it is full payment, installment or minimum amount, pay back the arrears first.

(2) If the circumstances are not serious, the bank will re-evaluate the cardholder and unlock it;

5. Unlocking method for locking credit card cashing:

If you want to unlock it, it depends mainly on the mood of the bank staff. You can first contact the relevant bank staff to explain the situation, provide the normal historical consumption record of the locked credit card, and apply to the bank to unlock the credit card.

Extended data:

Precautions for credit card use:

1. Never withdraw cash by credit card:

(1) The so-called cash withdrawal means that the cardholder of the credit card will return the credit card amount to the cardholder in cash after spending by the credit card machine, and deduct a certain handling fee at the same time. Of course, this handling fee is generally lower than the cost of direct cash withdrawal by credit card.

(2) The National Credit Card Law stipulates that cash should be paid directly to credit card holders through fictitious transactions, false prices and cash return. By using point-of-sale terminal equipment (POS machines). If the circumstances are serious, he shall be convicted and punished for the crime of illegal business operation in accordance with 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, you should be able to cash out. There are many bank credit cards. If you take out the cash from one credit card and pay back the credit card debt of another bank, you will never have to pay back the credit card debt.

(2) Every time you withdraw cash, you have to charge a handling fee and interest. In this cycle, you are still spending with your card. The arrears will continue to accumulate and will not be greatly reduced;

(3) This is a bigger and bigger snowball! When one day the credit card withdrawal limit runs out, 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 chain, which will have a great impact on the subsequent refinancing of the credit card.

3. Don't use credit cards for unrestrained consumption:

It is fashionable and convenient to think that credit cards can spend money in the future. Therefore, if you get the card, you will spend recklessly, regardless of your endurance. As a result, the amount of consumption increased sharply and could not be repaid.

4. Never compare credit card limits:

(1) My colleague's quota is 40,000, while mine is only 20,000. No, it must be higher than my colleague's quota! So I tried my best to increase the quota. In fact, the amount of most credit cards is enough for cardholders to use every month;

(2) If the quota is too high, it will stimulate cardholders' desire to spend more, and may also affect other banks' application for new cards and loans.