The emergence of credit cards has indeed brought a lot of convenience to everyone's life, not only allowing everyone to enjoy the consumption experience of spending first and then repaying, but also enjoying many credit card preferential policies. Some friends think that as long as the repayment is made on time and never overdue, the credit card will not be suspended. In fact, there are many reasons why credit cards are stopped, and even some friends suddenly show that their cards are frozen when using them. So what is the reason for the suspension of credit cards? How to recover after being stopped? You will know after reading this article!

What is the reason for the suspension of credit card use?

1. overdue repayment: the primary reason for the card to be stopped is overdue repayment. If the cardholder's repayment is overdue for more than three months, or for more than six consecutive times, the issuing bank can unilaterally disable the cardholder's credit card, and will also charge the corresponding late payment fee and interest. If the amount owed reaches a certain level, the bank will also file a corresponding lawsuit to investigate the criminal responsibility of the debtor.

2. Abnormal transaction: The banking system will track the cardholder's credit card time, credit card amount and consumption type irregularly. If the cardholder's consumption transaction is found to have abnormal behavior, such as conducting large-value transactions many times in a short period of time, and the amount of credit card is inconsistent with the type of merchant. In order to protect the cardholder's property and prevent being attacked by hackers or criminals, the bank will temporarily freeze the cardholder's credit card, which will lead to the invalidation of the card.

3. Other banks: There are also some unexpected situations, such as the failure of the bank's computer system, the expiration of the credit card, and illegal cashing. When the bank feels that the cardholder's credit card is risky, it will also take corresponding measures according to the specific situation, such as reducing the quota or suspending credit.

How to recover after being stopped? We can find out the corresponding solutions according to the reasons for stopping the card:

1. If the card is stopped due to account risk, you can prepare relevant certification materials and then submit your personal identification to the issuing bank. After verification by the bank, you can apply to modify the credit card password or directly cancel the card.

2. If the card is stopped due to overdue or poor card use, please make up the arrears in time, including late fees and penalty interest. Then take the initiative to call the bank's credit card center to explain the situation, so that the bank can see everyone's willingness to repay, in order to help you restore the credit line.

In short, if you don't want to be stopped or banned by the bank, you must standardize the use of cards and repay them on time, so as to better play the role and advantages of credit cards.