If you need to explain, it can be said that there are still loans that have not been repaid, resulting in the credit card being frozen by the bank. This explanation is reasonable and will not hurt the feelings of both sides.
Credit cards are related to personal credit status. If you borrow a credit card and forget to return it, it will not be worth the loss. Cardholders should keep in mind the principle that credit cards cannot be lent out, and take safety measures to protect themselves when they have to lend out.
Extended data:
Security issues in the use of credit cards;
1. credit card: criminals or criminal groups use forged or invalid cards (expired/lost/invalid/damaged tapes, etc. ) pretending to be a real card, directly deceiving merchants or card issuers.
2. Cardholder: improper storage/handling of cards (expired/invalid credit cards are not destroyed, or they are not immediately invalidated after being lost, etc. ), and personal identity information is inadvertently stolen or defrauded. In order to avoid such problems, citizens should not easily provide personal identification information, and it is best not to entrust others to handle credit cards.
3. Consumer merchants: service personnel have overspent in the process of cardholder consumption, or embezzled their credit card information to other merchants for consumption. This situation can happen whether it is a physical business or a network virtual business.
4. Issuer: The computer system is maliciously invaded, stealing the basic/transaction information of customers. There are also unscrupulous employees who steal from the house, or the evil inside the house.
5. Trading system and mechanism: As long as it is formulated or handled by human beings, human errors and omissions will inevitably occur; No matter how rigorous the trading mechanism is, with the world-class trading system from confirmation to settlement, it is still possible to be invaded, and the so-called "invasion" is actually divided into levels.
Baidu encyclopedia-credit card