If the CMB card is frozen, first find out the reason for freezing, and then unfreeze it according to the symptoms. Generally speaking, debit cards are frozen mainly because of loss reporting, card replacement due to damage, abnormal overseas card swiping transaction, long-term non-transaction, expired documents, wrong transaction password input for many times, missing identity information, and cardholders suspected of criminal offences or civil disputes. , mainly can be divided into judicial freezing and non-judicial freezing.
1. Extrajudicial freezing
Cardholders can call the customer service hotline of China Merchants Bank at 95555, or bring their ID card and bank card to any branch of the issuing bank for unfreezing business. In addition, the CMB bank card is frozen because the transaction password has been entered incorrectly for many times and the reserved identity information has expired. Cardholders can directly reset the password or update the reserved identity information through CMB mobile banking or online banking.
2. Judicial freezing
The cardholder is suspected of criminal offence or civil dispute, which leads to the judicial freezing of China Merchants Bank Card. According to Article 236 of the Procedures for Handling Criminal Cases by Public Security Organs, the time limit for freezing deposits, remittances and other property is six months, and the freezing will be automatically lifted at the expiration. If the case is still pending, the public security organ may also go through the formalities of continuing to freeze and extend the freezing period.
Card freezing and unfreezing categories:
(1) If the card/payment is stopped within the time limit, it can't be resumed. Any credit card application of China Merchants Bank will not be approved for at least 2 years, because it has been blacklisted in China Merchants Bank. At the same time, the card stop information will be synchronized to the personal credit inquiry system of the People's Bank of China, and all banks can see the credit cards, car loans and mortgages of other banks. There is also a high probability of being rejected.
(2) if it is non-malicious overdue (such as traveling and going abroad during the period; Hospitalization due to illness, etc. ), you can call the Credit Card Center of China Merchants Bank to apply for corresponding certificates to avoid bad records. Or go to the credit department of the local bank to apply for adding a personal statement to the personal credit report, explaining the reason for stopping the card, etc. This will have a positive impact.