The chance of thawing is really small. We must solve the specific problems caused by freezing before we can apply for bank account cancellation. If China Merchants Bank's credit card is seriously overdue, there is no need to cancel the account, and the bank will automatically cancel the account for you. Since Baidu is a third-party public network platform, we cannot directly verify your actual personal data.
First, the reason why the credit card is frozen
1. If the cardholder fails to repay the loan on time for more than three consecutive months, the bank has the right to freeze the credit card. Although the credit card is overdue and frozen, there are still late fees and interest. So it's best to pay back the arrears as soon as possible. Because of the overdue freeze, the cardholder's credit information has been affected.
2. If the bank thinks that the credit card transaction is abnormal, the bank will freeze the credit card for the safety of the cardholder, which will lead to the freezing of the credit card.
Second, the credit card unfreezing method
1. If the cardholder's credit card is frozen due to overdue repayment or repeated cashing, call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that the arrears have been paid off, the cardholder will be unfrozen, and the credit card can be used after unfreezing.
2. As for the handling of personal bad credit records, according to the draft of the central bank's credit management regulations, the longest retention period of bad credit records is 5 years, but only credit cards with 24-month records will be displayed in the personal credit report. It is recommended that the card be kept in the status of active card for at least 2 years after activation, so as to avoid the negative impact of bad credit record on the application for credit card or personal loan in the future.
Bank credit card account cancellation process:
1. Call the bank's credit card service hotline, and the customer service staff will inform the customer of the credit card status;
2. After 45 days of applying for account cancellation, if the customer's credit card has no debt or balance, the bank customer service staff will cancel the credit card account;
3. If the credit card still has arrears to repay, it can be cancelled;
If you still have the balance, you can return it to the branch of the bank.