First of all, if the credit card is frozen due to overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the credit card customer service of the issuing bank.

The center explained the situation. -Normally, the bank will unfreeze. After that, the cardholder must repay the loan on time, and it will not be overdue, because the credit card will be overdue.

Being included in the personal credit information system, too many overdue times will affect future loan applications.

Secondly, the credit card freeze caused by credit card cashing depends on the situation. If it is not subjective cashing, the bank mistakenly believes that the cardholder can send a letter to the issuing bank.

Use the card customer service center to explain the situation and apply for credit card unfreezing.

Credit cards are frozen due to stolen credit cards-generally, the issuing bank will unfreeze the stolen credit cards after they are processed.

1. What caused the credit card to be frozen?

1, credit card is frozen. That sounds serious. It seems that credit cards will only be frozen if the cardholder violates the law. In fact, this is only the case that the credit card is frozen. -In general, there are several reasons for banks to freeze cardholders' credit cards: serious overdue credit cards, cashing out credit cards and stolen credit cards.

2. The credit card is frozen due to serious overdue, and the cardholder is frozen by the issuing bank due to long-term failure to repay on time or large overdraft amount. Credit card Mr. Zhang holds the credit card of China Merchants Bank. Not long ago, he went away on business. Due to busy work and poor internet access, his current credit card bill cannot be repaid on time. When he got home, Mr. Zhang found that his credit card had been frozen by the bank.

3. It is illegal to cash out a credit card and freeze it. After the credit card is issued, the bank will supervise and record the credit card transactions, and the obvious credit card cashing behavior is easily recognized by the issuing bank-once the issuing bank finds that there is a credit card cashing behavior, the bank will freeze the credit card. If the circumstances are serious, the cardholder shall be investigated for criminal responsibility.

The credit card was frozen because it was stolen. In order to prevent the loss of stolen credit cards from further expanding, the general cardholder will ask the issuing bank to freeze the credit card.

In some cases, the issuing bank will take the initiative to freeze the credit card for the cardholder.

How to deal with credit card freeze

After the credit card is frozen, you should do this:

1. If the cardholder fails to pay off the credit card debt, pay off the money in time, call the bank customer service and truthfully explain the situation. There is no reason for banks to freeze credit cards, which are usually unfrozen.

2. If the customer service of the bank asks the cardholder to hand over the credit card, the cardholder fails to save the credit card during the credit card swiping. You can tell the customer service truthfully, apply for a waiver, and then you can swipe your card normally and repay on time. If the customer service says that it cannot be unfrozen, ask the cardholder to return the card. Remember, never return the card!

3. After the card is cancelled, the cardholder will keep a record of overdue repayment until it is eliminated after 5 years. After the cardholder pays off the money, he can save money and swipe his card. After 3 to 6 months, he can apply to the bank for thawing. It is possible that the bank will automatically unfreeze you during this period.

The development of credit cards:

1, the earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

2. Credit cards are generally plastic cards with special carriers, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, expiration date, number and cardholder's name are printed on the front, and chips, magnetic strips and signature strips are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 1950, McNamara and his friend Schneider jointly invested110,000 US dollars to establish DinersClub in new york, the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

What should I do if the credit card of CITIC Bank is frozen?

You can call the manual customer service of CITIC Bank to see if the credit card is unfrozen. The solution is as follows:

1. If the credit card is frozen beyond the time limit, you should pay off all the arrears as soon as possible, and then communicate with the bank to explain the situation and ask the bank to unfreeze it to ensure timely repayment in the future. If the number of overdue periods does not reach three, if the overdue amount is not high, there is still hope. Not if it's too serious.

2. If the credit card is frozen due to the stolen card, you can unfreeze it immediately by calling the bank after the risk is lifted.

3. If the freeze is caused by the irregular use of credit cards, it will be more troublesome. If the credit card is accidentally injured, you can provide the consumer receipt and invoice and apply to the bank for unfreezing. If it is confirmed that the cardholder uses the card illegally, then don't hope, or use another bank credit card.

Three situations in which credit cards are frozen.

1. The credit card is seriously overdue, with a high amount, overdue for more than 2 months, and has not been repaid after being urged by the bank.

2. When the credit card is stolen, the bank takes temporary freezing measures to ensure the safety of funds.

3. Credit cards are used for abnormal consumption purposes, such as capping machine transactions and short-term consumption of merchants all over the country.

Extended data

The use of credit cards is also skillful, and some misunderstandings can be avoided. Please note the following points:

1. It is suggested that the single transaction amount should be controlled within 5W when swiping the card and within 10W when swiping the card. If the credit card limit is above 10W, it will be easily supervised by the banking system.

2. Avoid large-scale integer transactions, because it is rare for normal credit card consumption to be just an integer.

3. Avoid spending in the same mall at a fixed time every month, and the amount of empty cards or credit cards exceeds 90%.

4. Avoid spending only by credit card, and occasionally use debit card. The ratio of credit card to debit card is 4: 1, which helps to increase the quota.

5. Card swiping is prohibited during non-business hours. It is very dangerous to swipe your card during non-business hours.

6. Each swipe should be controlled within 60% of the total amount. It is recommended to brush several times a few days.

7. Avoid overdue credit cards and reduce the minimum repayment amount.