What should I do if the credit card is stopped?

The suspension of the use of the credit card does not completely mean that the card is closed. The main reason is to find out. There are three common situations:

1. The credit card is overdue

Many banks will control the credit card, and some will not directly close the card, but will suspend the use. You can't swipe your credit card if there is a limit. It's best to pay off the arrears immediately, and then call the customer service to apply for lifting the restriction. As for whether this can be lifted, it is not guaranteed.

When you make a phone call, you should say that you are not maliciously overdue, give reasons for the bank's approval, such as being on a business trip in other places, the company has delayed paying wages, etc., and then guarantee to repay on time in the future. For the sake of daring to admit your mistakes, the bank may resume using credit cards in addition to the normal use of cards.

2. Irregular card use

In fact, it means cashing in by credit card. The system compares the time, amount and merchant type of card use according to previous card use behaviors. If the transaction is found to be abnormal, such as swiping the card during abnormal business hours, and the amount of card swiping and merchant type are not equal, the credit card will be suspended.

in this case, if you can't provide proof of relevant consumption vouchers to dispel the bank's doubts, it will be a real card closure, and the bank will not give a card for recovery.

3. The transaction is risky

For example, if some cardholders empty their credit cards at one time, or there is a transaction in different places, the bank will also suspend the use of the credit cards in order to ensure the safety of funds. Usually, they will call to verify whether they have spent money by themselves. After verification, they will resume the use of the credit cards.

You can also call the bank to apply for restoring your credit card, and make it clear to the bank that you are using the card yourself. The bank will resume using the card within 2 working days.

credit card limit, also known as credit card available limit, refers to the maximum amount that you can use with your credit card, which includes the credit limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.

the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security, and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

1. Continuous and frequent credit card spending

Sustainability refers to the long-term credit card spending, and it is best to generate credit card spending quota every month for more than three months, instead of using it for a while and then freezing it for a long time.

Frequency means spending money by swiping the card wherever possible, regardless of the amount. The more times and businesses you swipe the card, the better. If you swipe the card at one time, it is easy for banks to think it is suspicious and it is difficult to raise the amount.

second, pay attention to the amount of credit card and temporary withdrawal

pay attention to the amount of credit card and make full use of temporary withdrawal.

third, stick to the application and seize the opportunity to apply

stick to the application and seize the opportunity to apply, two-pronged. For credit card users, you can insist on applying by telephone to increase the credit card limit, because different customer service or staff members have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed, and the record left by insisting on telephone application will also help to apply for the amount increase in the future.

fourth, use the card cancellation threat or sleep pause

use the card cancellation threat or sleep pause. When you apply for it many times and are rejected, you can consider using this trick. Just tell the customer service or staff of the bank directly that if the credit card limit can't meet the actual needs, you will consider canceling the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to be soft and hard, so that it is easy to get room for discussion and negotiation.

How to solve the problem of suspension of credit card use

If the credit card is abnormal, the cardholder can call the card issuing bank, apply to the bank customer service for restoring the credit card or ask the bank to reissue the credit card, open the card directly after getting the new card, and cut off the original credit card. If you haven't paid back on time for more than three months in a row, then it's very likely that you have entered the bank's credit card blacklist. It is recommended to know your account information from the bank customer service as soon as possible, and pay off the arrears in time to avoid greater losses and affect your credit history. Credit card arrears are huge and overdue for a long time, and cardholders may encounter criminal punishment.

Consequences of overdue credit card:

1. Liquidated damages, usually the minimum repayment amount, 5% of the unpaid part.

2, high interest, and it is a rolling interest, and interest is very scary when there are many debts.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

Credit card is a revolving loan issued by the bank to users. When you apply for a credit card, the bank will give you an initial credit line according to your personal qualifications and past credit status. The bank will analyze your daily consumption behavior and your consumption habits, and increase or decrease the credit line of the credit card according to your repayment situation. Many third-party online loans also evaluate the credit line of cardholders through bills.

people who have no economic income, such as students, should not apply for credit cards easily. Even if they don't use credit cards, they have to bear annual fees and other items. Holders of credit cards give up the use of credit cards and go through the formalities of returning the cards in time, otherwise, the various expenses of credit cards and the interest and late fees generated thereafter will lead to personal economic losses and credit reduction, and affect mortgage and car loans.

Some reasons for the suspension of the credit card:

If the cardholder's Longka credit card is suspended, or the cardholder actively applies for account cancellation or requests to stop the card, or the cardholder fails to repay the loan according to the contract, or the cardholder fails to perform the agreement related to installment payment, or the cardholder's debt performance ability or credit degree is reduced (including but not limited to the cardholder's violation of laws, regulations, Articles of Association, Receiving Agreement or relevant business regulations when using the credit card)

the application materials provided by the cardholder are untrue, inaccurate and incomplete; Cardholders refuse to bear the risks and responsibilities arising from using credit card transactions.

the cardholder refuses to pay all kinds of fees to CCB;

since the first billing date after the cardholder's account is in arrears, the repayment has not been made for three consecutive months or the repayment has not reached the minimum repayment amount.

ICBC's credit card is suspended

If ICBC's credit card is suspended, we must first find out the reason for the suspension and then solve it. If you don't know why your credit card has been suspended, you can call ICBC's credit card customer service hotline, and the general customer service will tell you the specific reasons, and then you can correct it.

ICBC's credit card may be suspended because it is suspected of being cashed out. At this time, the bank will freeze the credit card. At this time, if you call the bank to make it clear, the bank will unfreeze the credit card quickly. There are also many overdue credit cards in the process of use. At this time, banks will suspend users' credit cards in order to reduce risks.

if the cardholder's credit card has abnormal transactions, the card will be suspended. At this time, the bank takes measures to stop the card in order to ensure the cardholder's card use safety. In addition, if the cardholder enters the wrong password for three times, it will be locked. At this time, the credit card will also be suspended and the cardholder needs to unlock it.

ICBC's credit card needs to be repaid on time after it is suspended, and it can be repaid through online banking and third-party payment platforms. At present, most payment platforms have opened credit card repayment functions, such as Alipay and WeChat, so you can repay by binding the credit card to Alipay or WeChat.

what should I do if I stop using my credit card?

If I stop using my credit card, I can bring my ID card to the bank counter for consultation and I can resume it.

first, there are many reasons why credit cards are stopped, including the failure of the bank's computer system, the expiration date of the credit card, etc. Of course, it is more caused by the non-payment of arrears. If the arrears are overdue for half a year or even longer, no matter how much, the bank will stop using credit cards. Overdue repayment for several months in a row, malicious overdraft, malicious cash withdrawal, poor use record, etc. may all lead to the freezing of credit cards.

Second, how to restore the deactivated credit card

If the bank thinks that the credit card is deactivated due to abnormal transactions, the cardholder can call the issuing bank, apply to the bank's customer service for restoring the credit card or ask the bank to reissue the credit card, open the card directly after getting the new card, and cut off the original credit card. If the cardholder fails to repay the loan on time for three consecutive months, it is very likely that you have entered the bank's credit card blacklist. Yixin suggests that you know your account information from the bank customer service as soon as possible, and pay off the arrears in time to avoid greater losses and affect your credit history.

If the credit card is in huge arrears and is overdue for a long time, the cardholder may be subject to criminal punishment. After the credit card debt is paid off, it is recommended that you reactivate this credit card for a certain period of time, so that the original bad credit record can be offset, otherwise the cardholder can not only apply for other credit cards, but also apply for financial loans such as mortgages.

Third, if one of your transactions is exposed to risk or abnormality by the bank, the bank will stop using the credit card urgently in order to protect the losses of itself and the cardholder. For example, you usually spend a small amount, and suddenly you have to spend a large amount, or you can spend money on the same day in a different place that is impossible to achieve. These are all likely to be stolen. The customer service of the bank will call you to ask if you are spending money on your own card, or simply show that the credit card failed and the transaction was restricted. If this is the case, please explain clearly with the bank and eliminate the hidden danger of credit card theft, and you can resume using it immediately.

What should I do if the credit card is suspended due to risks?

If the credit card is suspended due to risks and you want to resume it, you can directly call the customer service of the bank, and the risks can be relieved through the customer service, and then you can resume using it.

when removing the risk, the bank will decide whether to resume using it according to the actual situation.

in order to avoid the suspension of the use of credit cards, users should use credit cards in accordance with the regulations of the bank.

Extended information:

Reasons for the suspension of the use of credit cards due to risks:

1. Always use credit cards to cash out;

2. The credit card is suddenly swiped in a different place;

3. The security level of the account is too low;

4. Credit cards are often overdue.

when a credit card is stopped, users had better know the specific reasons and make corrections.

the credit card should be returned on time after spending by swiping the card, and there can be no overdue repayment.

default interest will be generated after overdue repayment, and the longer it takes, the more default interest will be generated.

moreover, credit cards will affect personal credit information after overdue repayment, and the handling of various loans, such as car loans or mortgages, will be affected after the credit information becomes bad.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit.

it is in the form of a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

consumers with credit cards can go to the special commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The credit card stipulated by relevant laws in China refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

On December 1, 217, the English Translation and Writing Standard for Public Service was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

The credit card generally refers to a debit card only.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

Main features of credit card:

① Credit card is one of the fastest-growing financial services today, and it is an electronic currency that can replace traditional cash circulation in a certain range;

② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

③ Credit card is a high-tech product integrating financial business and computer technology.

④ Credit card can reduce the use of cash and currency;

⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

⑥ Credit card can simplify the collection procedures and save social labor;

⑦ Credit card can promote commodity sales and social demand.

what should I do if the Bank of Communications credit card is suspended?

The reason why the Bank of Communications credit card is suspended may be that the credit card transaction is abnormal or it has not been repaid for three months.

One of the reasons why the credit card of Bank of Communications is deactivated is that the bank thinks that the transaction of the credit card is abnormal and may be attacked by hackers or other criminals, so for the safety of the cardholder, the bank will freeze the credit card, which will cause the credit card to be deactivated.

Another reason is that the cardholder fails to repay the loan on time for more than three months in a row, so the card-issuing bank has the right to unilaterally disable the credit card. In this case, even if the credit card is disabled, the cardholder's bill will still exist, and the late payment fee and interest will continue to increase. If the amount reaches the bank's regulations, the bank can hold the cardholder, and the cardholder with a large amount will be punished.

if the first reason is that the credit card is stopped, then the solution is: the cardholder can call the issuing bank and ask the bank to reissue the credit card, and open the card directly after getting the new card, and at the same time cut off the original credit card.

if the reason for the suspension of the credit card is the second one, the solution is as follows: after the credit card is suspended, the cardholder will pay back the credit card in full, and at the same time, in order to avoid the blacklist of credit records, the credit card will be reactivated, and it will be repaid for 24 consecutive periods on schedule to offset the original bad credit records.

that's enough for the introduction of how to stop using credit cards.