Look at the specific issuing bank of the credit card on the credit report and contact the issuing bank for handling. Many cardholders have applied for bank cards during their college years, and they all mistakenly think that they are savings cards, but in fact they are credit cards, which leads to their ignorance after the deadline. Contact the issuing bank for verification as soon as possible. If you are sure that the card is not handled by yourself, you should contact the issuing bank to handle it.

1. Overdue repayment is frozen.

Generally, the bank will freeze your credit card only if it is overdue for many times or a single overdue time is too long. At this time, you need to repay in full and on time. After paying off the arrears, call the bank customer service and ask for unfreezing the bank card. Generally, banks will unfreeze, but it may have a certain impact on the loan amount.

2. The cash withdrawal record has been frozen.

If you have used the POSS machine to spend a lot of money, and the number of times is very large, or you frequently use the credit card to withdraw cash, UnionPay will think that you are suspected of cashing out, and inform the bank where your credit card is located, and the bank will freeze your credit card. This situation is more troublesome than the last one, because cashing out is illegal. You can provide the bank with your credit card consumption records in the past year. If your credit is good, the bank will unfreeze your credit card.

3. The property is frozen by the court.

Because credit cards are also personal property, if the court has some disputes to freeze your property, then your credit card will be frozen accordingly. This situation will not be thawed until the litigation in your hospital is over, but this situation is generally rare.

4. Incorrect password input: Credit cards also have transaction passwords. If the user misses the limit, the credit card will be temporarily frozen. If you want to use it again, you need to bring relevant certificates and credit cards to the bank counter to modify the transaction password.

Credit card application process: 1, fill in the application form; 2. The information of the bank itself and a copy of the information; 3. The bank sends it to the credit card center; 4. The credit card center conducts audit, business card printing and card issuance; After getting the card, I will open it and wait for the password letter.

Precautions for overdue prosecution of credit cards:

1. overdue dunning letters shall be served within the period of limitation of action. Because some credit institutions require borrowers to sign a reminder letter in advance when borrowing money, this practice is easy to cause disputes. In fact, there is a three-year statute of limitations after the loan expires, which is enough time. Credit institutions need to protect their rights in time. It is not recommended or necessary for customers to sign dunning letters in advance.

2. The overdue dunning letter should be in written form, so as to keep the evidence.

3. If the loan contract is guaranteed by a third party, you must pay attention to the collection from the guarantor.