1. Suspected cashing leads to freezing.

If pos machines are frequently used for large consumption, or large amounts of cash are frequently withdrawn, etc. , causing UnionPay to doubt your credit, UnionPay will inform the bank that your account is suspected of cashing out. Credit cards will be frozen on suspicion of cashing out.

2. Repeated overdue repayment

If the repayment is overdue for many times, the bank will think that you are unable to repay and freeze your credit card. At this time, you pay in full, call customer service and ask for thawing. In this way, the amount may be reduced, but if the overdue times are not many, the general customer service will unfreeze.

The property was frozen by the court.

If the property is frozen or confiscated due to various disputes, the credit card will also be frozen. This kind of situation is rare, so this kind of person will point fingers. Settle your lawsuit first, then consider unfreezing your credit card!

Solution of frozen credit card

The cardholder's credit card is frozen due to overdue repayment or repeated cash withdrawal. Usually you just need to call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that you have paid off the debt, it will unfreeze it for you immediately. After thawing, your credit card can be used.

With regard to the handling of personal bad credit records, according to the Draft of Credit Information Management Regulations of the Central Bank, the longest retention period of bad credit records is 5 years, but only credit cards and 24-month records will be displayed in personal credit reports. It is recommended that the card remain active for at least 2 years after activation, so as to avoid the negative impact of bad credit records on the application for credit cards or personal loans in the future.