After paying off the balance, why doesn’t the bank let me continue to use my credit card?

If it is a China Merchants Bank credit card, it is recommended that you call the credit card customer service for verification. Will the Bank of Communications credit card not be replaced after the balance is paid off?

If the card is lost, your card is seriously overdue, and the customer service determines that it cannot be reactivated and the card cannot be opened, then it will not be replaced. If the card is not overdue, the card will definitely be replaced. Why can’t the credit card be used after paying off the balance?

Call customer service first. For transportation, most of the cards have been blocked, and you can only get in and out. Customer service will recommend that you cancel the card. Card

For CITIC, CITIC and Ping An, there may be limit on the credit limit. Try to swipe 2000. You need to change the POS machine to try.

Other banks called to ask if the credit card limit has been used up. Do I need to pay off the debt to continue using the credit limit?

Yes, it can be understood that way. In some banks, if you make an installment payment, it may not occupy your quota. For example, if you buy a product worth 5,000 yuan and pay it off in one year, only 416 yuan per month will occupy your monthly quota. However, most banks do not do this. Banks have different issues based on the creditworthiness of their cardholders. Why doesn't China CITIC Bank apply for a credit card for me?

1. Are the information you provided complete?

2. Proof of annual income. Real estate certificate, car purchase, etc.

3. Whether you have a regular job and whether you pay social security normally

4. After a comprehensive evaluation, CITIC Bank believes that you do not meet the requirements.

How to judge credit card fraud and pay off the debt

According to the provisions of Article 6 of the "Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" : "...Malicious overdrafts should be investigated for criminal liability, but if all the overdrafts and interests have been repaid before the People's Court's judgment is pronounced after the public security organ files the case, they may be given a lighter punishment. If the circumstances are minor, they may be exempted from punishment. The amount of malicious overdrafts is relatively large. If the public security organ has repaid all the overdraft interest before filing the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law."

2. If the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and fails to return the payment for more than 3 months after being called upon twice by the issuing bank, it can be considered a malicious overdraft. constitutes the crime of credit card fraud. Excuse me, I have paid off my balance, can I still use my credit card as usual? Will the bank still let me use it?

If the non-malicious debt is paid off for less than 3 months, you can apply to continue using it. For more than 3 months, you can only negotiate with the bank, and you may not be able to continue using it. Can I use the reserve fund if the credit card balance is not paid off? Shanghai Pudong Development Bank

As long as you have it! Just use it