If the Bank of Communications credit card is locked, you can use the following methods to unlock it:

1. If the Bank of Communications credit card is locked because the credit card is seriously overdue, the cardholder can pay off the outstanding balance. Contact Bank of Communications customer service by phone at 400-800-9888 and ask them to help unlock it;

2. If the credit card is locked due to multiple incorrect password entries, it will usually be automatically unlocked after 24 hours, or you can call customer service yourself Call to request to unlock;

3. The credit card is locked because it is suspected of cashing out. After investigation and verification, the Bank of Communications will unlock the credit card if the cash is not cashed out. If the cash is indeed cashed out, the credit card will generally not be unlocked;

4. The credit card is locked due to loss or risk of fraud. After the cardholder applies for a new credit card or removes the risk of fraud, Bank of Communications will automatically unlock the credit card.

The most common reason why credit cards are locked is incorrect password entry. A credit card will be locked once the incorrect password is entered more than three times. If you enter the wrong password more than 3 times when logging in to online banking, the cardholder's bank account will be temporarily blocked by online banking. Generally, it will return to normal the next day, and you can log in again by entering the correct password; when withdrawing money or making inquiries at an ATM If your credit card is locked due to entering the wrong password too many times, you can only go to the bank counter to ask the bank staff to reset or retrieve your password;

Once the credit card is overdue for 2-3 months and has not been repaid, Once the bank's risk control system monitors the cardholder's behavior of cashing out, the bank will lock the bank card used for cashing out.

When your credit card is locked, you can call the bank's credit card customer service hotline to apply for unlocking. If necessary, you need to reset your password. Once the credit card is successfully unlocked, you can use it normally;

The credit card is overdue. Methods to unlock a locked credit card:

For overdue locked credit cards, repayment is the most important thing. Whether it is the full amount, installment or minimum, pay off the debt first

The bank will re-evaluate the cardholder and will unlock it if the circumstances are not serious;

Notes on using credit cards:

1. Do not use credit cards to cash out:

(1) The so-called cash out means that after consumption is made through a card swiping machine, the card swiping machine holder will return the card swiping amount to the cardholder in the form of cash, and at the same time deduct a certain handling fee. Of course, this handling fee will generally be higher than The cost of withdrawing cash directly with a credit card is low;

(2) The National Credit Card Law stipulates that using point-of-sale terminals (POS machines) and other methods to make fictitious transactions, false prices, cash returns, etc. If the cardholder pays cash directly, and the circumstances are serious, he shall be convicted and punished for the crime of illegal business 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 maintain your card

(1) Since you can't cash out, you should be able to withdraw cash. There are many banks If you use a credit card to withdraw cash from one credit card and use it to pay off the credit card debt from another bank, and repeat this cycle, will you never have to pay back the credit card debt?

(2) What is the amount of cash withdrawn each time? If you have to charge handling fees and interest, and the cycle goes on and on, and you are still using the card to make purchases, the amount of debt you owe will continue to accumulate and will not be substantially reduced;

(3) This is a growing problem Snowball! When one day your credit card cash withdrawal limit is used up, and you don’t have enough cash on hand, the capital chain is broken, and all credit card repayments may be overdue. Your personal credit will be damaged in a chain, and it will be difficult to apply for a loan in the future. will be greatly affected.

3. Don’t use credit cards without restraint:

I think credit cards can be used to spend money in the future, which is fashionable and convenient, so I spend recklessly when I get the card. Don't consider your own affordability at all. As a result, the amount of consumption increases sharply and you are unable to repay.

4. Do not compare with the credit card limit:

If the limit is too high, it will increase the incentive to persist. Cardholders’ desire to spend may also affect new card applications and loans from other banks.