Solutions to credit card freezes:

1. Overdue repayments are frozen

Solutions: You can repay in full at this time and call customer service , requesting to unfreeze, the result may be a reduction in the limit, but if the overdue number 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.

4. 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 in one month and will not exceed 50 days.

Analysis of factors for credit card freezing:

1. Overdue repayment is frozen

If the bank freezes the credit card due to overdue repayment, it is recommended that the cardholder Pay off the outstanding balance in full as soon as possible, and then contact the bank to explain that the overdue amount is not malicious. The bank will decide whether to unfreeze the amount 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

The behavior of cash withdrawals is 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 credit card is frozen because the cardholder protects the security of the card or enters the wrong password, the cardholder 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.

Jintou.com-Is your credit card frozen? These methods teach you how to defrost!