How to unlock a locked Bank of Communications credit card

If a Bank of Communications credit card is locked, you can use the following methods to unlock it:

1. If the Bank of Communications credit card is seriously overdue, the Bank of Communications If the credit card is locked, the cardholder can contact Bank of Communications customer service 400-800-9888 by phone to help unlock the card after paying off the outstanding balance;

2. If the credit card is blocked due to multiple incorrect password entries, If the card is locked, it will be automatically unlocked after 24 hours, or you can call the customer service number to request unlocking;

3. The credit card is locked because it is suspected of cashing out. After investigation and verification, the Bank of Communications will unlock the credit card if there is no cash out. If If the credit card is indeed cashed out, the credit card will generally not be unlocked;

4. The credit card is locked because it is lost or has the risk of being stolen. After the cardholder applies for a new credit card or removes the risk of theft, Bank of Communications will automatically unlock the credit card. .

The most common reason why credit cards are locked is incorrect password entry. A credit card will be locked once the incorrect password is entered more than three times. If you enter the wrong password more than 3 times when logging in to online banking, the cardholder's bank account will be temporarily blocked by online banking. Generally, it will return to normal the next day, and you can log in again by entering the correct password; when withdrawing money or making inquiries at the teller machine If your credit card is locked due to entering the wrong password too many times, you can only go to the bank counter to ask the bank staff to reset or retrieve your password;

Once the credit card is overdue for 2-3 months and has not been repaid, Once the bank's risk control system monitors the cardholder's behavior of cashing out, the bank will lock the bank card used for cashing out.

When your credit card is locked, you can call the bank's credit card customer service hotline to apply for unlocking. If necessary, you need to reset your password. Once the credit card is successfully unlocked, you can use it normally;

The credit card is overdue. Methods to unlock a locked credit card:

For overdue locked credit cards, repayment is the most important thing. Whether it is the full amount, installment or minimum, pay off the debt first

The bank will re-evaluate the cardholder and will unlock it if the circumstances are not serious;

Notes on using credit cards:

1. Do not use credit cards to cash out:

(1) The so-called cash out means that after consumption is made through a card swiping machine, the holder of the card swiping machine will return the card swiping amount to the cardholder in the form of cash, and at the same time deduct a certain handling fee. Of course, this handling fee will generally be higher than The cost of withdrawing cash directly with a credit card is low;

(2) The National Credit Card Law stipulates that using point-of-sale terminals (POS machines) and other methods to make fictitious transactions, false prices, cash returns, etc. If the cardholder pays cash directly, and the circumstances are serious, he shall be convicted and punished for the crime of illegal business 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 maintain your card

(1) Since you can't cash out, you should be able to withdraw cash. There are many banks If you use a credit card to withdraw cash from one credit card and use it to pay off the credit card debt from another bank, and repeat the cycle, will you never have to pay back the credit card debt?

(2) What is the amount of cash withdrawn each time? If you have to charge handling fees and interest, and the cycle repeats, and you are still using the card to make purchases, the amount of arrears will continue to accumulate and will not be substantially reduced;

(3) This is a growing problem Snowball! When one day your credit card cash withdrawal limit is used up, and you don’t have enough cash on hand, the capital chain is broken, and all credit card repayments may be overdue. Your personal credit will be damaged in a chain, and it will be difficult to apply for a loan in the future. will be greatly affected.

3. Don’t use credit cards without restraint:

I think credit cards can be used to spend money in the future, which is fashionable and convenient, so I spend recklessly when I get the card. Without considering your own affordability, the amount of consumption will increase sharply and you will be unable to repay.

4. Do not compare with the credit card limit:

If the limit is too high, it will increase the incentive to persist. The consumer desire of cardholders may also affect new card applications and loans from other banks.

How to unfreeze a frozen credit card?

Countermeasures after your credit card is frozen:

Two steps:

The first step: pay off the debt in a short time;

Step 2: Call the card-issuing bank and apply for unfreezing.

If you want to use your credit card smoothly, you must repay no less than the minimum payment amount on the last payment date every month. Otherwise, not only will you be charged late fees, but your personal credit record will also be affected. In serious cases, the bank may freeze the account or even cancel the card.

In fact, all other banks are similar, so let’s talk about it together, taking the unblocking of Bank of Communications credit cards as an example.

The specific method of unblocking a Bank of Communications credit card is as follows:

Required materials: original credit card, a copy of ID card, the information filled in when applying for the card, the mobile phone registered when opening the card Card.

1. Call the Bank of Communications customer service hotline and follow the voice prompts to check how much you still owe. Before unblocking your credit card, be sure to pay off the balance first.

2. Follow the prompts to enter the manual service, ask the customer service to transfer the conversation to the manager on duty, and directly ask him to unblock the credit card, open the card and continue to use it. They will ask you where your recent large transactions were. For transactions, specifically what was purchased, we will answer the purchased goods based on the merchant name on the POS receipt. If the merchant name is communication equipment, then you can answer that you bought computers and mobile phones. At this time, the customer service will ask you to provide the transaction details at that time. For tickets or invoices, you must answer that there are no more. I don’t know where I put them for so long.

3. Don’t worry about the attitude of customer service. In order to unblock the credit card, we have to deal with them patiently. We will give you a special application at a certain time. Be sure to keep your phone open at all times. They will give you a reply if they ask you. Sign a letter of commitment to unblock your credit card, and you'll be successful; if they don't agree to give you a letter of commitment to unblock your credit card, don't give up. Keep calling customer service to ask for your credit card to be unblocked until you agree.

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 repayment is overdue, 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.

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

That’s all for the introduction on how to unfreeze a Bank of Communications credit card.