(1) Once the credit card is overdue for 2-3 months, the bank will also lock it;
(2) Once the bank's risk control system detects that the cardholder has cashed out, it will lock its cashed out bank card.
1. Due to the incorrect password entered more than 3 times during login, online banking will temporarily seal the cardholder's bank account. Generally, you can return to normal the next day, and then enter the correct password to log in;
2. If the credit card is locked due to too many wrong passwords when withdrawing money or inquiring at the ATM, you can only go to the bank counter to find the bank staff to reset or retrieve the passwords;
3. When the credit card is locked, you can call the bank credit card customer service hotline to apply for unlocking, and you need to reset the password if necessary. Once the credit card is successfully unlocked, it can be used normally;
4. How to unlock the overdue lock of the credit card:
(1) Repayment is the most important thing for overdue locked credit cards. No matter whether it is full payment, installment or minimum amount, pay back the arrears first.
(2) The bank will re-evaluate the cardholder and unlock it if the circumstances are not serious;
5. Unlocking method for locking credit card cashing:
If you want to unlock it, it depends mainly on the mood of the bank staff. You can first contact the relevant bank staff to explain the situation, provide the normal historical consumption record of the locked credit card, and apply to the bank to unlock the credit card.
Extended data:
Precautions for credit card use:
1. Never withdraw cash by credit card:
(1) The so-called cash withdrawal means that the cardholder of the credit card will return the credit card amount to the cardholder in cash after spending by the credit card machine, and deduct a certain handling fee at the same time. Of course, this handling fee is generally lower than the cost of direct cash withdrawal by credit card.
(2) The National Credit Card Law stipulates that cash is paid directly to credit card holders through fictitious transactions, false pricing and cash return. Using point-of-sale terminal equipment (POS machines), if the circumstances are serious, shall be convicted and punished for the crime of illegal business operation in accordance with the provisions of Article 225 of the Criminal Law. It is illegal to cash out.
2. Never use a credit card to raise a card.
(1) Since you can't cash out, you should be able to cash out. There are many bank credit cards. If you take out the cash from one credit card and pay back the credit card debt of another bank, you will never have to pay back the credit card debt.
(2) Every time you withdraw cash, you have to charge a handling fee and interest. In this cycle, you are still spending with your card. The arrears will continue to accumulate and will not be greatly reduced;
(3) This is a bigger and bigger snowball! When one day the credit card withdrawal limit runs out, there is not enough cash on hand, the capital chain is broken, the credit card repayment may be overdue, and your personal credit will be damaged in chain, which will have a great impact on the subsequent refinancing of the credit card.
3. Don't use credit cards for unrestrained consumption:
It is fashionable and convenient to think that credit cards can spend money in the future. Therefore, if you get the card, you will spend recklessly, regardless of your endurance. As a result, the amount of consumption increased sharply and could not be repaid.
4. Never compare credit card limits:
(1) My colleague's quota is 40,000, while mine is only 20,000. No, it must be higher than my colleague's quota! So I tried my best to increase the quota. In fact, the amount of most credit cards is enough for cardholders to use every month;
(2) If the quota is too high, it will stimulate cardholders' desire to spend more, and may also affect other banks' application for new cards and loans.
Why is the ABC credit card locked and how to unlock it?