What happened when the People’s Bank of China’s system froze the CCB credit card?

It’s not that the People’s Bank of China’s system froze the CCB credit card, but it should be that CCB has detected that you have a bad credit record in the People’s Bank of China’s credit reporting system. It should be a serious overdue situation, so your credit card in China Construction Bank has been frozen, which means you won't be allowed to use it. You can check your personal credit record through the People's Bank of China credit information system. If you want to continue using the card, you can also try to call the customer service hotline to apply for an unfreeze. If approved, you can continue to use it. If not, it will be equivalent to suspending the card. You Just cancel it after paying off the debt~

About the People’s Bank of China credit card!

You want to say Bank of China?

No password is required for repayment! Go and pay the money back quickly, and then ask the person at the counter if you have forgotten your credit card password and need to report it as lost or something else.

In addition, the minimum repayment amount seems to be an option when filling out the card application form, right? Maybe each bank is different, so you still need to ask the teller.

People's Bank of China credit card credit card payment stop

Credit card payment stop is a measure taken by banks to strengthen management, ensure safety, and prevent counterfeit cards and lost cards from being used to cause losses and adverse effects. preventive measures. At the same time, it is also an important step to stop payment of the main card or supplementary card at the request of the cardholder and reduce the cardholder's losses and risks.

1. Scope of credit card stop payment

Credit card stop payment is generally divided into cardholder's initiative to stop payment, card issuing bank to stop payment, head office to stop payment and cardholder's initiative to cancel.

2. Types of payment stop

①Report the loss of the card;

②The main card requires stop payment of the supplementary card, and the unit requires the stop payment of the company card;

③Credit cards that exceed the limit but are not repaid within the deadline;

④Emergency stop payment cards in the current period.

Commercial banks will generally only take payment stop measures on credit cards that have been used beyond the limit or have not been repaid overdue.

Note: When the credit card status is "Stop Payment" in the credit report, do not cancel the card immediately.

This is because, when the credit card status in the personal credit report is "stop payment", once the cardholder cancels the card, the credit card's stop payment status will not change after the People's Bank of China credit report is updated, forever. It's a payment stop state.

If the payment is stopped due to overdue repayment for a long time, according to the "Credit Industry Management Regulations", after five years after the debt is paid off, the overdue record will no longer be displayed. However, according to the actual From experience, if you cancel your card in advance, although the overdue record will not be displayed, the "stop payment" status will still exist, which is a serious bad credit record and will still seriously affect future loan or credit card applications.

So, if the credit report shows a "stop payment" status on your credit card, do not cancel the card. Wait five years before canceling the card. If you have paid off your debt for five years and the "stop payment" status is still there, you must go to the local People's Bank to raise an objection.

If a credit card is overdue and is blacklisted by the People's Bank of China, will other credit cards that are being repaid normally be stopped (frozen)?

It will not be frozen, but it will not be able to apply for a card if it is stained, and the credit limit may not be increased

Are credit cards controlled by the People's Bank of China

Yes

Credit card users who encounter problems with the use of credit cards can call the People's Bank of China complaint hotline 12363, because credit cards are managed by the People's Bank of China.

That’s it for the introduction of the People’s Bank of China credit card.