Reasons for freezing credit cards:
1. If the cardholder fails to repay the loan on time for more than three consecutive months, the bank has the right to freeze the credit card. Although the credit card is overdue and frozen, there are still late fees and interest. So it's best to pay back the arrears as soon as possible. Because of the overdue freeze, the cardholder's credit information has been affected.
2. If the bank thinks that the credit card transaction is abnormal, the bank will freeze the credit card for the safety of the cardholder, which will lead to the freezing of the credit card.
Conditions for going to the bank for a loan:
1. 18-65 citizens with China nationality (excluding Hong Kong, Macao and Taiwan residents).
2. Work and live locally
3. At present, the company has officially registered employees who have worked for 6 months.
4, white households can operate and must pay more than 3000 yuan (social security and provident fund must be the same).
5. Punch salary every month
6, good credit (not even three tired six years)
Materials required for loan from the bank:
1. First, you must have a valid personal identity document, provide a household registration book, and have full civil capacity;
2. Have a stable job and a good income. If you receive your salary through bank transfer, you need to submit the running proof of your recent salary card;
3. Unmarried persons submit unmarried certificates, and married persons submit relevant materials of spouses and family members;
4. Have a fixed account in the bank applying for the loan;
5. Other requirements of lending institutions.
The process of going to the bank for a loan:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.