1. The bank card is frozen but can the credit card be paid back automatically?

Credit cards can be paid back automatically, but you must have a one-time freeze, otherwise the bank will think that you are maliciously overdrafting, and the bank will think that your credit card has been frozen. After all, frozen credit cards usually remain there forever. Keep it, and you don't have to worry too much about the bank freezing your credit card. Once you freeze your credit card, the possibility of unfreezing it again is relatively small.

But you can apply to unfreeze your credit card on other platforms. For example, after losing contact, you can wait 2 months for the bank to cancel it.

2. Can I get a mortgage if my credit card is frozen?

For this, you’d better go to the local People’s Bank of China, not the Bank of China. Check your PBOC report. If you find that in the credit card record, If there are two words "frozen", it is generally difficult to apply for a loan (mobile Baidu "Baidu Cash Loan", find the borrowing method that best understands you) or re-apply for a credit card. Sometimes, if you have multiple cards due to If your card is locked after the due date, you call to unlock it after repayment. If the bank checks your bank and finds that your card has been frozen, it may not resume using the card. Although bad records are said to be kept for two years, if the bank does not cancel it, the word "frozen" should be kept forever

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

Credit card Can I still get a loan after it has been frozen? First, find out the reason why the credit card is frozen: Generally, banks freeze the cardholder's credit card for the following reasons: serious overdue credit card, cash out of the credit card, credit card fraud, etc.; overdue credit card Serious situations lead to the freezing of credit cards, and cardholders are frozen by the card-issuing bank because they fail to repay on time, are overdue for a long time, or have a large overdraft amount; cashing out a credit card causes the credit card to be 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 liable; credit card fraud leads to the credit card being frozen. After a credit card is fraudulently used, in order to prevent further losses from the fraud, generally the cardholder will ask the card-issuing bank to freeze the credit card. In some cases, the card-issuing bank will Proactively freeze credit cards for cardholders. Credit card unfreezing: 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 balance, the cardholder can call the credit card customer service center of the issuing bank to 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 of 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 unfreezing of the credit card; if the credit card is frozen due to credit card fraud, generally the card-issuing bank will It is defrosted.

My credit card was frozen two years ago. Can I still get a loan? If they are all frozen, it is very serious. In the bank, it is a bad debt. Bad debt records cannot be used for mortgage loans.

Can the credit card be unfrozen if it is frozen? 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 not unfrozen.

The credit card has been frozen Can you 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? If my CCB credit card is frozen:

If it is overdue for more than 60 days, it will be recorded in the personal credit report;

If so 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 balance, 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 credit card cash-out, it depends on the circumstances. If the cash-out is not a subjective cash-out, but a cash-out that the bank mistakenly believes, 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 I still pay with WeChat if my credit card is frozen?

Can I unfreeze the credit card that has been frozen for 2 years? 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.

The credit card has been frozen, can I apply for a loan? The credit card has been frozen. Only after the credit card is unfrozen can the loan be successful, but some circumstances will have a certain impact on the loan, such as overdue payment and cash out. Reasons why a credit card is frozen: 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. The conditions required to get a bank loan: 1. Citizens aged 18-65 with Chinese nationality (excluding residents of Hong Kong, Macao and Taiwan) 2. Working and living locally 3. Officially registered employees of the current unit and working for more than 6 months 4. White household To be operable, you must have a check-in salary of more than 3,000 yuan (social security and provident fund must be the same) 5. Have a monthly check-in salary 6. Have a good credit report (not three or six in a row within 2 years) Materials required to get a bank loan: 1. First of all, you must have Valid personal identity document, household register and full capacity for civil conduct; 2. Have a stable career and good income. If you receive your salary through bank transfer, you also need to submit a recent salary card statement; 3. If you are unmarried, you must submit a certificate of unmarried status, and if you are married, you must submit relevant materials about your spouse and family members; 4. Have a fixed account in 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; 3. Interview with the bank or lending institution; 4. The bank reviews the lender's qualifications; 5. Pass the review and succeed. Loans.

Can the 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 freezes: 1. If the password, validity period, CVV code and other card information are entered incorrectly, go to any branch with your valid ID. When you go, you can consult the corresponding bank customer service staff first; 2. The card is temporarily controlled, please consult the corresponding Bank customer service; 3. If the credit card debt is overdue or the card is used irregularly, the specific situation will be analyzed in detail. If the account debt is paid off in full, you can call the customer service hotline to try to lift the freeze. It will be determined by the degree of overdue credit card and the degree of abnormal transactions. The specialized approval department will conduct a comprehensive assessment based on individual circumstances. To sum up, as long as the frozen problem is solved, you can apply to the bank to unfreeze your credit card.

4. After the overdue credit card is frozen and paid off, can I get a loan to buy a house 5 years later? After the overdue credit card is frozen and paid off, 5 years later

Yes, the loan will be levied after 5 years of repayment. There will be no overdue records on the letter report. After the credit card is overdue

If you have a current overdue record, or an overdue record of more than 90 days, then your credit report is considered bad, and you will not be able to get a loan.

If your credit card has little impact on your mortgage loan. Can I get a loan to buy a house if my credit card is overdue for 90 days and I maintain normal consumption for 2 years?

I have been blacklisted. There is no way. The original age cannot be changed without authorization. Currently, the Shanghai banking industry keeps bad credit records for a maximum period of no more than 7 years. In other words, this information will restrict your credit plan from time to time within 7 years. If you haven’t paid off your credit card, you can get a loan to buy a house

If you have the ability to repay, you can apply.

The conditions for applying for a mortgage to buy a house are as follows:

1. Aged 18-65 years old

2. Have a valid ID card;

3. Good credit, no bad records;

4. Have a stable career and stable income;

5. Letter of intent;

6 , Have the ability to pay the down payment for the house purchased;

7. Open a personal settlement account in the bank to

8. The credit card has been overdue 8 times as required by the bank and has been paid off. , can I get a loan to buy a house?

It depends on when it is overdue 8 times.

Under normal circumstances, bank loans have credit reporting requirements: there cannot be one overdue date at the moment, two overdue dates in half a year, and two consecutive overdue dates in one year. Can I still get a loan to buy a house if my credit card is overdue but has been paid off?

It will have an impact. The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency's retention period of personal bad information shall be from the bad behavior or incident. It shall be 5 years from the date of termination; if it exceeds 5 years, it shall be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

The credit report is a material issued by the People's Bank of China that records personal credit, your loan qualifications and credit record. The specific situation depends on the personal credit record. It is recommended that you contact the point where you want to apply for a loan.

If you have any questions, please continue to consult Bank of China’s online customer service. You are welcome to download Bank of China mobile banking or follow it.

Bank of China online customer service: /ZIM/

Mobile banking download: bankofchina./ebanking/s01009/t20100921_1151946.

Online loan application: ebsnew .boc./boc15/loginPreLoan.?locale=zh

Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. That is, as long as the cardholder does not pay off all overdraft fees within the specified period, the cardholder’s last month’s All fees no longer enjoy the bank's interest-free treatment, and the recurring daily interest rate is as high as 0.5%, which means the annual interest rate reaches 18%;

Litigation costs. If the user fails to repay the overdraft after 2 months, the bank will call to remind the user to repay. If the loan is not repaid, the bank will ask a lawyer to issue a lawyer's letter to the user. If the user still refuses to repay after 180 days of overdraft, the bank will file a lawsuit, and the losing party will bear the litigation costs of the case. When the bank requires the user to repay, the bank usually wins the lawsuit, so this part of the cost is borne by the user. ;

Bad credit record.

Credit card users who overdue repayments will be recorded in a bad credit record, and the basic database of personal credit information has been networked nationwide. As long as an individual resident has handled a loan business at a bank, applied for a credit card, or provided a guarantee for others, then The credit report can be found at any commercial bank in the country;

Those who maliciously overdraft for credit card activities will be held criminally responsible for credit card crimes, with a sentence of less than 5 years or criminal detention, and a fine of more than 20,000 yuan. A fine of not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the penalty shall be not less than 5 years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than 10 years Alternatively, a fine of not less than RMB 50,000 but not more than RMB 500,000 or property confiscation may be imposed.