1. Discuss with the bank first. The bank will check the cardholder's consumption records in the last six months and compare the monthly credit card records with repayment records.

2. Secondly, the customer service complained, asked about the reasons for the restriction, and asked for proof. If you can't provide it, you can complain to the Banking Insurance Regulatory Bureau.

3. Finally complain to the CBRC. After the credit card is restricted, it is a good solution to complain to the CBRC.