What should I do if my credit card shows abnormal card status?

What should I do if my credit card shows abnormal card status

Sometimes when users use a credit card, the payment status is displayed unexpectedly. Abnormal. Many users who encounter this situation are also very confused as to why their credit cards are in abnormal status. So what should you do if your credit card shows abnormal status?

In fact, abnormal credit card status may be caused by many reasons. As long as you know the specific reasons for the abnormal status of your credit card, you can take appropriate measures to solve the problem of abnormal credit card status. Generally speaking, abnormal credit card status may be caused by the following reasons.

1. The credit card password is entered too many times: When the user uses the credit card, as long as the credit card enters the incorrect password three times in a row, the credit card will be automatically locked. Once the credit card is locked, the user will display an abnormal status when using it, then Generally, in this case, users need to bring their relevant identity documents and credit cards to the bank to change the password. After the password is successfully changed, they can use it normally.

2. The credit card is frozen by the bank due to overdue payment: If the user has not repaid the payment for a long time, the bank will directly freeze the user's credit card and restrict the cardholder from making credit card purchases. Generally, in this case, users need to pay off all their credit card debts and submit an unfreezing application to the bank. If the circumstances are serious, the unfreezing may not be successful.

3. There is a risk of credit card fraud: If the cardholder's credit card has abnormal consumption and is deemed a risk account by the bank, and there is a possibility of fraud, the bank will freeze the credit card account. In this case, the user When using a credit card, it will also prompt that the credit card status is abnormal. If the user is doing his or her own normal consumption, he or she can explain the situation to the bank and apply for unfreezing. If there is a real risk of fraud, then the matter needs to be dealt with clearly before submitting an unfreezing application to the bank.

4. Consumption exceeds the limit: When the user consumes more than his or her credit limit, or exceeds the limit for the day or a single transaction, the card swipe fails. It may also prompt that the card status is abnormal. Generally, this In this case, users can make consumption according to the actual situation after knowing clearly their consumption limit.

5. Card degaussing or damage: Everyone knows that credit cards have corresponding entries. If the cardholder's credit card entry is damaged or degaussed, the user information cannot be read when the card is swiped. The consumption will fail and the credit card status will be abnormal. Users who encounter this kind of request need to apply to the card issuing bank for a reissue of the card, but generally a reissue of the card requires a certain card issuance fee.

What should I do if my credit card is abnormal?

The reason why bank card payment displays abnormal status may be that the bank card password has been entered incorrectly more than three times, the ID card has expired, the bank card has frequent transfers, and legal cases are involved, etc.

1. The bank card will be locked if you enter the wrong password more than 3 times.

Unlocking method: In this case, it will not be unlocked automatically. You have to bring your ID card and bank card to the bank counter to unlock it (any branch of the same bank). The processing time is very fast.

2. The ID card has expired.

Removal method: The validity period of the ID card left by the bank when opening the account has expired. At this time, you need to go to the bank counter with your updated new ID card to update it, which is also at any branch of the same bank.

3. Frequent bank card transfers were suspected by the bank and the bank card status was changed to abnormal.

Removal method: In this case, you need to go to the account opening bank (the branch where you opened the account) to give a detailed and reasonable explanation of the use of your bank card, where the funds come from, and where to transfer them. It can be released if the judgment is negative.

4. Involved in legal cases, the bank card was frozen by the judiciary.

Extended information:

Removal method: In this case, you need to deal with the legal case first, and you can only withdraw money after the case is closed.

If the reason for the abnormality of the bank card is that the bank card is reported lost or frozen, it usually takes at least one day to be lifted, because the bank provides 24-hour loss reporting and other services. If the cause is a banking system failure, it will be resolved after the failure is eliminated, depending on how long it takes to repair it. Legal basis: Article 49 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" The card-issuing bank shall establish operating procedures for credit card activation, and shall verify the identity information of the credit card holder before activation. Credit cards whose use contract (agreement) has not been confirmed by the applicant's signature and whose identity has not been confirmed by the activation procedure shall not be activated.

New credit cards, lost cards, damaged cards, expired cards, etc. must be activated before they can be used by cardholders. Article 59 The card-issuing bank shall provide 24-hour loss reporting services, promptly accept cardholders' applications for reporting losses through business outlets, customer service hotlines, or electronic banking and other channels, and take corresponding risk control measures.

How to resolve abnormal credit card status?

The reasons are different, and the solutions are also different, which are mainly divided into three types:

1 Enter the wrong password

Enter the wrong password for the bank card more than 3 times, resulting in being locked Yes, you need to bring your ID card and bank card to the bank counter to unlock it. Or users are required to bring their ID cards to relevant outlets and change their passwords.

2 Bank card degaussing

If the bank card is abnormal because the bank card has been degaussed and cannot be read, the user needs to bring their ID card to the relevant outlet to apply for a new bank card.

3 The ID card has expired

The validity period of the ID card left by the bank when opening the account has expired. At this time, you need to go to the bank counter with the updated new ID card to update it. This is also Any branch of the same bank.

The above are the reasons why cardholders often encounter abnormal bank card status. Users who have abnormal bank card status due to the above reasons can follow the above-mentioned solutions to solve the bank card problem based on their actual situation. The card status is abnormal.

Generally speaking, abnormal credit card status may be caused by the following 7 reasons:

1. Entering too many credit card passwords. When a user uses a credit card, as long as the credit card password is entered incorrectly three times in a row, the credit card will be automatically locked. Once the credit card is locked, an abnormal status will be displayed when the user uses it. Generally speaking, in this case, users need to bring their relevant ID cards and credit cards to the bank to change their passwords. After the password is successfully changed, it can be used normally.

2. The credit card is frozen by the bank after it is overdue. If the user is overdue for a long time, the bank will directly freeze the user's credit card and restrict the cardholder's credit card consumption. Generally speaking, users need to repay all credit card debts and apply to the bank for unfreezing. In severe cases, thawing may not be successful.

3. There is a risk of credit card being stolen. If the cardholder's credit card consumption is abnormal and the bank identifies it as a risk account, and there is a possibility of fraud, the bank will freeze the credit card account. In this case, the user will also be prompted with an abnormal credit card status when using the credit card. If the user has normal consumption, he or she can report the situation to the bank and apply for unfreezing. If there is a real risk of theft, he/she needs to sort things out before applying to the bank for an unfreeze.

4. Frequent large-amount cash arbitrage transactions. This triggered the bank's risk control bottom line in large-value transactions, resulting in the card being locked. The bank's new regulations state that large-value purchases refer to purchases with a single credit card amount exceeding 20,000, and the bank may have the possibility of focusing on monitoring. If the cardholder is required to provide evidence such as consumption receipts, it means that the bank suspects that the cardholder is suspected of cashing out and requires the cardholder to provide relevant consumption evidence.

5. Limit/single consumption limit. When a user consumes, if the consumption amount is greater than his or her credit limit, or the card payment fails due to exceeding the limit for the day or a single transaction, an abnormal card status may also be prompted. Generally speaking, after users understand their consumption limits, they can consume according to actual conditions.

6. The card has been demagnetized or damaged. We all know that credit cards have corresponding terms. If the cardholder's credit card input is damaged or degaussed, user information cannot be read when swiping the card, and consumption fails, indicating that the credit card status is abnormal. In this case, the user needs to apply to the card issuing bank for a replacement card, but generally speaking, a certain card production fee is required for a replacement card.

7. Use a second clear POS machine. Repeated use of the second-clearance POS machine may lead to credit card code hopping, etc. Erqing POS machines use the large merchant model, which leads to confusion in credit card consumption records. For example, when a cardholder makes a purchase in a certain store and the second clearing POS machine is displayed in another place, once the cardholder uses the second clearing POS machine to make purchases on the same day and encounters a similar situation again, a credit card will appear in several different places within one day. The city’s card swiping records are easily subject to bank risk control. This kind of situation will not only lead to risk control, but also the card issuance bank will reduce the limit and block the card.

How to solve the abnormality of credit card status (what to do if the credit card feedbacks that the card status is abnormal)

1. How to recover from the abnormality of credit card card.

2. Why is the credit card account status abnormal?

3. What does the abnormal status of the credit card mean?

4. How to solve the problem of bank card abnormality.

1. Enter the wrong password.

2. If the bank card password is entered incorrectly more than three times and is locked, you need to bring your ID card and bank card to the bank counter to unlock it.

3. Users may be required to bring their ID cards to relevant outlets and change their passwords.

4. Degaussing bank cards.

5. If the bank card is abnormal because the bank card has been degaussed and unreadable, the user needs to bring their ID card to the relevant outlet to apply for a new bank card.

6. The ID card has expired.

7. The validity period of the ID card provided by the bank when opening the account has expired. At this time, you need to bring your updated ID card to the bank counter to update it, which is also at any branch of the same bank.

How to solve abnormal credit card status

The reasons for abnormal credit card status are different, and the solutions are also different:

1. The credit card has not been opened. Call the bank or credit card Just call the customer service center to activate your credit card.

2. If you report the loss after losing your credit card, you need to apply for a new card, or go to the bank counter to cancel the loss report after finding the card, and then you can use it normally.

3. The credit card has been frozen for overdue repayment. You need to pay back the outstanding balance, and then call customer service to apply for card release. If the bank agrees, you can continue to use it.

4. Malicious overdrafts cause the card to be blocked. It is recommended to make repayment first and then call the customer service number to cancel the card.

Advantages of credit cards

1. You can make overdraft purchases without depositing, and you can enjoy an interest-free period of 25-56 days and pay back on time without charging any interest.

2. Swiping your card when shopping is not only safe, hygienic and convenient, but also provides points for gifts.

3. You can enjoy discounts when using the card at the bank's designated merchants.

4. Accumulate personal credit and add integrity records to your credit file, which will benefit you throughout your life.

5. It is accessible nationwide and you can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo.

6. Use your card to make purchases and collect existing points. A variety of discounts and lucky draws are available throughout the year, so you can always be surprised just by using your card.

7. Free monthly mailing statements, allowing you to transparently control every consumption expenditure.

8. The unique supplementary card function is suitable for couples to manage finances together or control their children’s financial expenditures.

9. The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.

10. The 400 number or the 5-digit short number starting with 9 is available 24 hours a day. Loss reports are effective immediately and there is zero risk of losing the card.

11. Have validity period: It is known that domestic credit cards are generally valid for three or five years.

12. Use third-party platforms (the domestic platform that supports credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services to cardholders.

Disadvantages of credit cards

1. Blind consumption

Swiping a card is not like spending money one by one like paying cash. Once you swipe, you will feel nothing. A number that leads to blind consumption and money flowing like water.

2. Excessive consumption

Laptop installment, digital camera installment, smartphone installment, while enjoying your favorite items in advance, you also have to consider when repaying the loan next month Is your salary just a drop in the bucket?

3. High interest rates

If you don’t know how to take care of your credit card and cannot repay the loan as scheduled when the final payment date comes, the bank will charge a certain interest fee to avoid greater risks. I only have myself to blame.

4. Annual fees are required

Credit cards basically have annual fees, but they basically have annual fee-waiving policies. For example, China Construction Bank only needs to pay three times a year to waive the annual fee. ; On the contrary, savings cards have already received small fund management fees since 2006, and they will have to pay ten or twenty yuan a year. If you apply for a credit card and can't do it or don't know how to use it three or five times a year, then the bank should charge you an annual fee.

5. Fraudulent use

Credit cards basically default to password-free purchases, which makes it easy for others to use stolen money when lost or stolen, causing unnecessary trouble or loss; but in fact, credit cards can also apply for swiping purchases with passwords - it depends on how you manage your credit card.

6. Impact on personal credit record

Long-term malicious arrears will naturally affect personal credit record, and may even be blacklisted by banks. It will be difficult to obtain loans from banks to buy houses and cars in the future. ——But if you didn’t ask for it, it means you don’t know how to manage money yourself.

7. Repayment troubles

You have to go to the bank every month, which is often overcrowded; in fact, now as long as you have a savings card that opens online banking, you can do it for you through the Internet without leaving home. Credit card repayments are free of charge.

How to resolve abnormal credit card status

If the abnormal credit card status is caused by an overdue credit card, the credit card can be restored as long as the overdue balance is settled. The credit card is frozen or blocked due to illegal use. If the user cannot submit valid certificates for bank review, then the card is likely to be unrecoverable. If you want to use the card again at this time, you need to apply for another one.

During normal use of the card, the user may also trigger the bank's risk control. As long as the materials are submitted for review and explained clearly, the card will not be affected.

1. Credit card abnormalities can be recovered. There are many reasons for abnormal credit card status, such as over limit, overdue, incorrect password input and lock, wrong input of information during transaction and transaction freeze, etc. , whether it can be restored depends on the specific situation.

2. Users can call the customer service hotline to inquire whether it can be restored. If we encounter an abnormality with our credit card, we should promptly call the credit card customer service center number to explain the situation, find the cause of the abnormality, and then solve the problem according to the actual situation.

3. Recovery method for abnormal credit card status: Overdue card status will be abnormal, pay off the overdue debt and apply for card recovery; illegal use of the card will lead to risk control, and the card can be recovered by submitting supporting materials and passing review; If a credit card is reported as lost and causes an abnormality in the card, it can be restored by canceling the credit card reported as lost; if the credit card is locked after entering the wrong password, it can be unlocked by changing the password. The above methods can help users solve the problem of abnormal credit cards. If users cannot analyze the cause, they can directly call the customer service hotline of the card-issuing bank for consultation.

4. When using a credit card, it shows that the card status is abnormal. If you want to restore it to normal, it is recommended that the customer first call the customer service staff of the card-issuing bank to ask what the abnormality is, and then take corresponding measures. . If the magnetic stripe/chip is degaussed due to damage, the customer can just go to the bank to replace the card with a new one. If the card is locked, just contact the bank to apply for unlocking it (for example, if the card is locked due to continuous incorrect password entry, just reset the password to unlock it. Many banks will automatically unlock it after 24 hours).

5. If the account risk increases due to illegal cash-out and other behaviors, and thus is subject to bank risk control, the customer can only wait patiently for the bank's risk control to end, and then be careful to avoid risk operations such as cash-out again. When the account risk decreases, the bank will naturally lift the risk control.

This is the end of the introduction about what to do if your credit card is abnormal and the status of the credit card in your name is abnormal. I wonder if you have found the information you need?