Reasons for freezing credit card:

1. Overdue repayment

When the cardholder is overdue or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior, and it is very risky to continue to provide revolving credit, so it will unilaterally terminate the use of the credit card, which means that the cardholder will find that his credit card is frozen and unable to spend.

2. Suspected of cashing out

If you frequently use POS machines for large-scale consumption or frequent large-scale cash withdrawal, especially cash withdrawal with capping machines, UnionPay has doubts about your credit, so the bank will reduce your credit card limit, and in serious cases, your card will be directly blocked.

3. Credit card swiping

This situation is the cardholder's own choice. When the credit card is lost or stolen, in order to prevent the loss caused by swiping, the general cardholder will ask the issuing bank to freeze the credit card, and in some cases, the issuing bank will take the initiative to freeze the credit card for the cardholder.

4. Code set and code skipping of the second clearing POS machine

Usually, the "second clearing machine" is hung under the big first clearing merchant, and the big merchant will sell the second clearing machine nationwide, which directly leads to the diversification of the cardholder's credit card consumption location. In the bank's view, a credit card that is spent in different cities on the same day can easily be considered as being stolen or cashed out. At this point, the credit card will be easily frozen.

5. Other frozen situations

Forgot the password. Incorrect continuous input of credit card transaction password is frozen, so you need to call the customer service hotline to unfreeze it.

unfreeze the credit card:

1. Overdue repayment is frozen

If the cardholder fails to pay off the credit card debt, he should pay off the money in time, call the bank customer service and explain the situation truthfully. Generally, the credit card will be unfrozen.

if it is overdue for many times, the bank will first ask the cardholder to pay off all the arrears including interest, and if the circumstances are serious, the bank may also cancel the card.

2. It is troublesome to be suspected of cashing out and being frozen.

If the bank recognizes the cardholder's cashing out, the card cannot be unsealed generally. However, if there is evidence to prove that it is not self-cashing, but there is a problem with the POS machine of the merchant, the credit card center may also unseal it. At this time, the bank may ask the cardholder to provide a small ticket or recall the credit card.

Therefore, it is best for cardholders to keep a good record of each "consumption". If there is a receipt, keep a receipt (or invoice) for the bank to check. After the bank verifies, it will unfreeze you if it is not cashed out.

3. The stolen credit card is frozen

If the card is stolen, you must contact the bank at the first time to apply for freezing. After that, the issuing bank will help cancel the customer's card and issue a new card for the customer, and at the same time check whether the funds have been liquidated from the issuing bank. If not, it will be intercepted. So don't worry about this one.

4. The code set and code skipping of the second clearing POS machine are frozen.

The second clearing POS machine must pay attention here: check whether there is any abnormality in the notification message of the bank when swiping the card. If the suggested merchant name is inconsistent with the actual name, it is code skipping. At the same time, it is also code skipping if it is suggested to spend in a different place. After this happens, please bring your own credit card invoices, receipts and other information to the bank to explain the situation and apply for thawing.

Extended information:

Credit card repayment methods:

1. Within the issuing bank,

the issuing bank's counter, ATM, online banking, automatic transfer, telephone banking and other repayment methods. After repayment, the credit card limit will be restored immediately, and the money will generally be recorded after being processed by the system on the same day.

2. Micro-banking POS mobile phone

Micro-banking POS mobile phone is a personal payment terminal of mobile financial system, which can be used for direct credit card repayment and transfer. Immediate arrival!

3. Transfer/remittance repayment

There are two ways: inter-bank in the same city and inter-bank in different places. No matter how to transfer or remit money, the remitting bank will charge a certain fee, and at the same time, the time of payment and the convenience of repayment are not as good as those in peers, online repayment and convenience store repayment.

4. Online repayment

The common online platforms in China are UnionPay Online, Kuaiqian, Shengfutong, Alipay and Tenpay. Different platforms and banks are selected, and the charging standards and the specific payment arrival time are different.

5. Repayment in convenience stores

This method mainly completes repayment through the "Lacarra" smart payment terminal installed in convenience stores. Generally, it takes 2-3 working days to arrive at the account, and no handling fee is charged for repayment in this way.

6. Counter-connected repayment

Counter-connected refers to the bank card issued by various networked financial institutions, and the current RMB deposit and withdrawal transactions are conducted through the counters of other bank outlets registered in the host system of UnionPay Exchange Center.

7. Repayment by Xinfutong

The "Xinfutong" smart credit card phone is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center and supported by financial services provided by China UnionPay's inter-bank information exchange network.

8. Repayment Pass

Repayment is made through the Repayment Pass, and the fees are generally charged according to the charging standards for inter-bank transfer in the same city and inter-bank transfer in different places stipulated by the local people's bank.

9. Other methods

In addition to the above-mentioned methods, the issuing bank has also opened its own repayment methods to facilitate the cardholder's repayment.

Reference: Baidu Encyclopedia-Credit Card