1. If your credit card is frozen due to overdue payment, you must first pay off all outstanding debts as soon as possible, then communicate with the bank to explain the situation, request the bank to unfreeze, and ensure on-time repayment in the future. If the number of overdue periods does not reach 3, and the overdue amount is not high, there is still some hope, but if it is too serious, it will not work.
2. If a credit card is frozen due to a lost or stolen card, you can immediately unfreeze it by calling the bank after the risk is eliminated.
3. If the credit card is frozen due to non-compliance of usage, it will be more troublesome. If your card is accidentally damaged by normal swiping, you can provide your receipts and invoices and apply to the bank for unfreezing.
According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":
Article 81
Acquiring banks shall make decisions based on the business nature and business characteristics of the special merchants. , business conditions, and set dynamic turnover caps for special merchants. Sudden increase in transaction volume of special merchants, frequent large-value transactions, integer-amount transactions, obvious discrepancies between transaction amounts and operating conditions, excessive amounts in dispute, and excessive refund transactions.
If the refund amount is too high, the refund amount in arrears is too high, refund fraud occurs, illegal transactions occur, the merchant's business content does not match the merchant category code, or the card issuing bank receives a risk warning, the acquiring bank will It should be promptly investigated and dealt with, and effective measures should be taken promptly to reduce the risk of loss in the acquiring business.
Article 82
Special merchants who are confirmed to have committed fraudulent activities such as false applications, cashing out credit cards, recording customer data, leaking account and transaction information, malicious bankruptcies, etc.
The acquiring bank shall promptly remove the acceptance terminal, properly retain transaction records and other relevant evidence and submit them to the public security organs for processing, blacklist them, enter them into the bank card risk information system, and communicate with relevant bank card organizations. share risk information and other effective risk control measures.
Extended information:
According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":
Article 93
Commercial banks shall Establish and improve the prevention and control system and emergency plans for credit card business operational risks to effectively prevent operational risks. The following risk assets should be directly included in the corresponding categories:?
(1) Risk assets caused by cardholders applying for and using credit cards through fraudulent means, once confirmed, should be directly included in the doubtful or loss category . ?
(2) Risk assets caused by internal crimes or internal and external collusion should be directly included in the doubtful or loss category. ?
(3) Risk assets caused by system failures and operational errors should be directly included in the doubtful or loss category. ?
(4) Risk assets that have not yet been repaid after signing a personalized installment repayment agreement should be directly included in the substandard or doubtful category.
Article 94
Card-issuing banks shall continuously monitor changes in the quality of credit card risk assets, and the provision of relevant reserves shall comply with the regulations of relevant national departments.
Article 95
Card-issuing banks shall strengthen the identification and write-off management of credit card risk assets, and confirm and write-off in a timely manner. The basis, scope of determination, write-off conditions, etc. for credit card business shall comply with the regulations of relevant national departments.
Article 96
Card-issuing banks shall establish scientific and reasonable risk monitoring indicators and take corresponding risk control measures in a timely manner.
Article 97
The card-issuing bank shall, based on the development of the credit card business, use measurement models to assist in credit card business risk management, and formulate model development, testing, verification, re-examination, Adjust, monitor, maintain, audit and other related management systems, and clarify the scope of use of measurement models.
Article 98
Card-issuing banks shall strictly implement capital adequacy regulatory requirements and include unused credit card credit limits in the calculation of "other commitments" sub-items in commitment items. For off-balance sheet risk-weighted assets, a credit conversion factor of 50% and the corresponding risk weight determined based on the credit card transaction entity are applied.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks