Can I still get a loan if my credit card is frozen?

First find out the reason why the credit card is frozen:

Generally, the bank freezes the cardholder’s credit card because of It is caused by the following reasons: serious credit card overdue situation, credit card cash-out, credit card fraud, etc.;

Severe credit card overdue situation causes the credit card to be frozen, and the cardholder has been overdue for a long time or has overdraft due to failure to repay on time. The amount is relatively large and is frozen by the card-issuing bank;

Cashing out a credit card results in the credit card being frozen, and cashing out a credit card is illegal. After the credit card is issued, the bank will supervise and record the credit card transactions. Obvious credit card arbitrage behavior can be easily identified by the card-issuing bank. Once the card-issuing bank discovers that there is credit card arbitrage, the bank will freeze the credit card. In serious cases, the cardholder will be held criminally responsible;

Credit card fraud leads to the freezing of the credit card. After a credit card is stolen, in order to prevent further losses due to fraud, cardholders generally ask the issuing bank to freeze the credit card. , in some cases the issuing bank will take the initiative to freeze the credit card for the cardholder.

Credit card unfreezing:

If the credit card is frozen due to overdue credit card, the overdue amount should be paid off as soon as possible. After paying off the credit card balance, the cardholder can call the credit card customer service center of the card-issuing bank. Explain the situation. Under normal circumstances, the bank will unfreeze the card. After that, the cardholder must repay every installment on time and avoid overdue payments, because overdue credit cards will be included in the personal credit system, and too many overdue times will affect future loan applications;

The freezing of credit cards caused by cashing out credit cards depends on the circumstances. If it is not a subjective cash-out but a cash-out that the bank mistakenly believes, the cardholder can call the credit card customer service center of the card-issuing bank to explain the situation and apply for the credit card to be unfrozen;

If the credit card is frozen due to credit card fraud, it is generally handled in the fraud matter. After completion, the card-issuing bank will unfreeze it. My credit card was frozen two years ago, can I still get a loan?

If they are all frozen, then it is very serious

It is a bad debt in the bank

The bad debt record means that you cannot make a mortgage loan. If the credit card is frozen, it can be unfrozen. ?

It is basically impossible to unfreeze, otherwise it would be child's play for the bank to freeze the credit card. A few banks may freeze the credit card within one month of overdue, and it can be unfrozen upon application. In other cases, it is basically impossible to unfreeze the credit card. Can I still get a loan?

No, because it has been blacklisted, which will probably drag down all your credit standing, and there will be problems in borrowing from banks in the future.

This is a matter of personal credibility. Can I still get a credit card loan if my credit card is frozen?

CCB credit card is frozen:

If it is overdue for more than 60 days, the record will be entered into the personal credit report;

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If the loan is overdue for more than 90 days, a bad personal credit report will be recorded;

This will have a certain impact on future loans.

A frozen credit card can be unfrozen under certain conditions. Please call the Credit Card Customer Service Center to handle it.

If a credit card is frozen due to an overdue credit card, the overdue amount should be repaid as soon as possible. After paying off the credit card debt, the cardholder can call the bank's credit card customer service center to explain the situation. Under normal circumstances, the bank will Unfreeze it. After this, the cardholder must repay every installment on time and avoid overdue payments, because overdue credit cards will be included in the personal credit system. Too many overdue times will affect future loan applications.

If the credit card is frozen due to cashing out of a credit card, it depends on the circumstances. If the cashing is not subjective but is misunderstood by the bank, the cardholder can call the bank's credit card customer service center to explain the situation and apply for unfreezing of the credit card. .

If a credit card is frozen due to credit card fraud, the bank will generally unfreeze it after the fraud is resolved. Can the credit card be frozen and repaid via WeChat?

Yes, the credit card has been frozen for 2 years and can still be unfrozen.

If it is a China Merchants Bank credit card, you need to determine the reason for the freeze. If it is frozen after reporting a loss, it cannot be unfrozen at present.

If it is frozen due to arrears or counterfeiting, since Baidu is a third-party public network platform, we cannot directly verify your actual personal information. Please call China Merchants Bank customer service hotline 5---enter the account opening certificate number#- --- Query the password and enter the manual to help you further determine whether the freeze can be lifted. The credit card has been frozen, can I still make the minimum monthly repayment?

If it is a China Merchants Bank credit card, it depends on the reason for the freeze. If the freeze is overdue, you probably won’t be able to repay the minimum. It is recommended to call customer service to verify. Can I apply for a loan if my credit card is frozen?

If your credit card is frozen, the loan can only be successful after the credit card is unfrozen. However, some circumstances will have a certain impact on the loan, such as overdue payment and cash out.

Reasons for credit card freezing:

1. If the cardholder fails to repay 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 has been frozen, late payment fees and interest still exist. So it’s best to pay off the debt as soon as possible. Because of the overdue freeze, the cardholder's credit report has been affected.

2. If the bank believes that the transaction of a credit card is abnormal, the bank will freeze the credit card out of consideration for the safety of the cardholder, which will cause the credit card to be frozen.

Conditions required for a bank loan:

1. Citizens aged 18-65 with Chinese nationality (excluding residents of Hong Kong, Macao and Taiwan)

2. In Local work and life

3. Officially registered employees of the current unit and working for 6 months

4. White households must have a check-in salary of more than 3,000 yuan (social security and provident fund must be available) Same)

5. Monthly check-in salary

6. Good credit report (no three or six debts in a row within 2 years)

Materials required to get a bank loan :

1. First of all, you must have a valid personal identity document, provide a household registration book and have full civil capacity;

2. Have a stable career and good income. If you pass If you receive your salary by bank transfer, you must also submit a recent salary card statement;

3. Unmarried persons must submit a certificate of unmarried status, and married persons must submit relevant materials of their spouse and family members;

4. Have a fixed account with the bank applying for the loan;

5. Other requirements of the lending institution.

The process of going to the bank for a loan:

1. Submit an application to the local bank or lending institution;

2. Prepare various materials required for the loan; < /p>

3. Interview with a bank or lending institution;

4. The bank will review the lender’s qualifications;

5. The review will be approved and the loan will be granted successfully. Can a frozen Bank of Communications credit card be unfrozen after repayment?

Yes, as long as you find out the reason why the credit card is frozen and solve the problem in detail, you can apply to the bank to unfreeze the credit card. The bank has clear regulations regarding the unfreezing of credit cards. The regulations are as follows.

The main reasons and solutions for credit card freezing:

1. The password, validity period, CVV code and other card information are entered incorrectly. Go to any branch with your valid ID to handle it. You can go first Consult the customer service staff of the corresponding bank;

2. For temporary card control, consult the customer service staff of the corresponding bank;

3. If the credit card debt is overdue or the card is used irregularly, analyze the specific situation in detail. If the account After all the debts are paid off, you can call the customer service hotline to try to lift the freeze. This will be determined by the degree of credit card overdue and the degree of abnormal transactions. A specialized approval department will make a comprehensive assessment based on the individual's situation.

In summary, as long as the frozen problem is solved, you can apply to the bank to unfreeze your credit card.