If the cardholder frequently uses the card abnormally, if the bank believes that the cardholder has cashed out, made frequent withdrawals, maxed out large amounts, etc., the bank will freeze the credit card. What are the types of credit card freezes?

1. Types of frozen credit cards

According to the degree of frozen credit cards, frozen credit cards are mainly divided into the following three types:

1. All frozen: that is All the limits in the cardholder's credit card account are frozen and cannot be consumed or deposited.

2. Partial freezing: Since the balance in the credit card account does not reach the amount that should be frozen, the cardholder can also transfer money into it until the amount that should be frozen is reached.

3. Single item freezing: only credit card withdrawals are frozen, but credit card deposits are not frozen. In other words, a credit card cannot be overdrawn for consumption, but you can store money in it.

2. The main reasons for freezing credit cards

1. Overdue repayment: If the credit card is overdue for too long, the bank will generally determine that the cardholder has malicious overdraft behavior, and there will be a high penalty Credit risk, usually unilaterally terminate the use of the credit card.

2. Suspected of cashing out: If the cardholder often uses the POS machine to make large purchases or withdraw cash, this will make the bank doubt the credit of the cardholder and will generally be frozen.

3. Credit card theft: When a credit card is lost or stolen, in order to prevent losses caused by theft, cardholders generally ask the card-issuing bank to freeze the credit card. In some cases, the card-issuing bank will take the initiative to freeze the credit card. Card people.

3. What should I do if my credit card is frozen?

1. If the cardholder fails to pay off the credit card balance, he should pay off the balance in time, call the bank’s customer service number, and explain the situation truthfully. If the reason for the bank’s freezing of the credit card is not involved, the credit card will generally be unfrozen.

2. If the bank customer service requires the cardholder to hand over the credit card receipt, the cardholder did not save the credit card receipt during the card payment process. You can truthfully inform the customer service situation and apply for a reduction, then you can swipe your card normally and repay on time.

If the customer service says that it cannot be unfrozen and asks the cardholder to cancel the card, remember, do not cancel the card!

3. After the card is canceled, the cardholder’s overdue repayment record will remain there and will be eliminated after 5 years. After the cardholder has paid off the balance, he or she can deposit money and use the card for 3 to 6 months before applying for an unfreeze from the bank. During this period, the bank may automatically unfreeze the card for you.