Why credit cards are frozen

Generally, it is caused by the following seven situations:

The bank card is reported lost; it is frozen; the bank card is not opened Enabled; the bank card was degaussed and unreadable; the bank card password was entered incorrectly and the card was swallowed; the bank card was canceled due to abnormal account status due to failure to swipe the card according to the specifications.

After the above situation occurs, you need to go to the counter with your card and ID card to handle the relevant business and resolve it.

If the bank card is a credit card, the card will generally be blocked if the following circumstances occur:

1. Suspected cash withdrawals lead to freezing. Frequent use of POS machines to withdraw large amounts of cash has caused UnionPay If your credit is doubtful, the bank will lower your credit card limit, and in serious cases, the bank will directly block the card.

2. The solution to multiple overdue repayments is to repay in full (the freeze will not be released before repayment), call customer service and ask for release. As a result, the credit limit may be reduced, but if the number of overdue payments is Not much, usually customer service will defrost it.

3. Second-clearance POS machine set codes and code hopping. There are currently a proliferation of second-clearance POS machines in the market. Due to some of them using the large merchant model, credit card consumption records are in a state of confusion! For example, Zhang San lives in Beijing. He made a transaction of 100 yuan in a certain store, and the bank registration information of the second-clearance POS machine used by the other party may be in another city. Once Zhang San makes purchases at the Erqing POS machines of other merchants on the same day, and encounters a similar situation, there will be records of credit card swiping in several different cities in one day, and it is very easy to be blocked by bank monitoring.

4. If your property is frozen or confiscated due to various reasons, your credit card will also be frozen. This situation is relatively rare. Solve the lawsuit first, and then consider unfreezing the credit card.

What are the reasons why bank credit cards are frozen?

Many people are suddenly notified by the bank when using their credit cards that the card has been frozen or has become a high-risk card. Logically speaking, normal use of a credit card will not result in being frozen, so what reasons will attract the attention of the bank? What are the reasons for credit card freezes?

1. If you submit information through an intermediary, your card will be blocked directly if there is any suspicion.

2. Repeated operations at the same POS machine for several months.

3. The limit of a card is 10,000. Just swipe it out at the POS machine as soon as it is activated.

4. The same card is used on the same capping machine on a fixed date every month, occupying bank funds.

5. There are transactions beyond normal business hours, such as merchants in the wholesale market having transactions after get off work hours.

6. Use Alipay too much for payment in a short period of time. For example, CITIC’s maximum single transaction is 1,000, and multiple transactions are 998, 995, 899, 999 and other similar numbers.

7. The credit card has been in a state of being empty for a long time. For example, if the repayment date enters the whole number in a short period of time, the whole number comes out, and there is no record of credit card swiping at other times or less than 2 transactions. If the background system is operated like this for several months, it will be a problem. can be detected.

8. It can also be detected if you use your own POS machine to swipe your credit card frequently.

9. Integer single transactions, such as 10000, 50000, 100050, 200040, 9998, 9995, 19999.50, 10200, 20400, 10500, 50500 are all suspected of cashing out.

10. The same card has transactions on two or more terminals within 30 minutes, regardless of success or failure, including balance check.

Related reading:

Sharing the reasons why bank credit cards are frozen

What operations will cause the bank credit card to be reduced

Why is the credit card frozen? What's going on

There are three main reasons for credit card freezing: 1. Overdue repayment; 2. Suspected cashing out; 3. Credit card fraud.

1. Overdue repayment:

If the credit card is overdue for too long, the bank will generally determine that the cardholder has malicious overdraft behavior, which will have a high credit risk, and will generally Unilaterally terminate the use of the credit card.

2. Suspected cash out:

If a cardholder frequently uses POS machines to make large purchases or withdraw cash, the bank will doubt the cardholder's credit and will generally freeze it. .

3. Credit card fraud:

When a credit card is lost or stolen, in order to prevent losses caused by fraud, generally cardholders will ask the issuing bank to freeze the credit card. In some cases, The issuing bank will take the initiative to freeze the credit card for the cardholder.

Extended information:

Credit card unfreezing:

If the credit card you hold is frozen by the bank, then to unfreeze it, you must first find out whether the card has been frozen. The reason for the freeze can then be taken in a targeted manner.

For example, if a credit card is frozen because it is too overdue, it will be more difficult to unfreeze it. The customer must first pay off all the overdue balances, and then build up their credit after paying off the credit card. . Maybe after your credit is improved and you get a higher score in the bank system evaluation, the bank will resume using the card. However, it may take a long time to maintain good credit. And unfreezing mainly depends on system audit, and manual intervention is not possible.

If the credit card is frozen due to suspicion of cashing out or bank risk control, the customer who has not cashed out can print out the recent transaction records of the credit card and provide the voucher to the bank to prove it. He did not cash out. The bank will check and determine that the account is not too high-risk, and will unfreeze the card.

If the credit card is at risk of being stolen, the bank may freeze the card. In this case, customers can directly call the bank to apply for unfreezing. Also, sometimes when a credit card is lost, the customer will actively apply to the bank to report the loss and freeze the card. If the card is found during the temporary loss reporting period, the customer can also directly request the bank to unfreeze the card and continue to use the card.

Tips for unfreezing credit cards:

1. Pay off debts and maintain good credit

The reason why many people’s credit cards are frozen is because overdue debts are not paid. Also the reason. Therefore, if you want to unfreeze your credit card, you should pay off the overdue balance as soon as possible and then apply to the bank for unfreezing. If the bank passes your assessment, it will unfreeze your credit card.

However, if your overdue situation is particularly serious, it will be difficult to unfreeze your credit card. Even if you pay off the debt, you still can't unfreeze it if your credit is bad. Therefore, it is also important to maintain good credit.

2. Provide consumption details

Banks sometimes conduct risk control. If they think your credit card risk is high, they may freeze your card. Sometimes banks will freeze your credit card if they suspect you have cashed out. So if you want to unfreeze the card in this case, you can provide consumption details to prove that you have been using the card normally and have not cashed out. The bank will conduct an audit based on the consumption details you provide. If approved, your credit card will be unfrozen.

Under what circumstances will a credit card be frozen?

1. When the credit card is overdue multiple times, or there is suspicion of cashing out, and there are multiple consecutive large-amount integer card payments, overseas consumption, and two places at the same time If you swipe your card for consumption, etc., the credit card will be frozen.

2. ①Multiple overdue situations

3. Different overdue situations have different consequences. Generally speaking, if you are overdue for more than three consecutive months, the bank will freeze the credit card and report it to the bank. Central bank personal credit report.

4. It should be noted that overdue does not only refer to overdue credit cards. Multiple overdue bank loans of other types will also cause the credit card to be frozen.

5. ② Suspicion of cashing out

6. Cashing out violates the law. The bank clearly stipulates that cardholders cannot use credit cards to cash out.

7. Once the bank finds out that the cardholder’s cash withdrawal behavior is true, the credit card will be frozen.

8. ③Abnormalities in credit cards

9. If there are multiple consecutive large-amount integer card payments, overseas purchases, and card payments in two places at the same time, the bank will consider the credit card to be abnormal. , in order to prevent your credit card from being stolen, the bank will freeze your credit card.

10. ④ Entering the wrong password more than three times

11. When using a credit card to make purchases, if you continuously enter the wrong password, the credit card will also be frozen. Different banks have strict requirements for continuously entering the wrong password. The regulations are different. Some banks will freeze your credit card if you enter the wrong password three times in a row, while others will freeze your credit card if you enter the wrong password five times in a row.