What should I do if my credit card is blocked? Call the bank quickly

In the process of using my card, there are always many cardholders whose credit cards are blocked by the bank for no reason, which brings a lot of inconvenience to the use of funds. Card friends often complain about this, so what are the reasons for the credit card being blocked? What if the credit card is blocked? Let me solve these problems for you.

the reason why the credit card is blocked

to know what to do if the credit card is blocked, you must first know the reason why it is blocked.

1. Suspected cashing leads to freezing. Frequent use of pos machines to withdraw large amounts of cash has caused UnionPay to doubt your credit, and the bank will reduce your credit card limit, and if the circumstances are serious, it will directly seal the card;

2. Overdue repayment for many times. If there are many overdue payments, the credit card will also be blocked.

3. code set and code skipping of the second clearing POS machine. The market is flooded with second-hand cleaning machines. Because some of them use the big merchant model, the consumption records of credit cards are in a chaotic state, and it is easy for a credit card to be swiped in several different cities in one day, which is very easy to be monitored and seized by banks.

4. In addition, if the property is frozen or confiscated for various reasons, the credit card will also be frozen.

the solution to the blocked credit card

If the card is blocked due to overdue repayment, try to repay it in full, call customer service and ask for unfreezing. Although the result may be reduced, if there are not many overdue times, the general customer service will unfreeze it.

If it is misjudged as cashing

What to do if the credit card is blocked? In fact, the method is very simple. First, find out the reason why you are blocked, and then apply to the bank for unblocking. Find out how to use a credit card, and you won't be at a loss when your card is blocked. Click on the credit card application channel to help you find the credit card that suits you best.

How to deal with the credit card seal

How to deal with the credit card seal:

First, verify the identity of the risky transaction and unseal it. This cancellation method is suitable for credit cards that have been stolen and locked, mostly because the cardholder suddenly spends money abroad or in different places. Take the initiative to contact the bank to inform me of the transaction, and after confirming that it is my transaction, the bank will lift the card closure status.

second, it is suspected of cashing in and providing consumer vouchers for unsealing. If my credit card is blocked when I use it normally, I can call the customer service of the issuing bank to inquire about the reason. Generally, the bank will say that you have abnormal consumption, ask you for a proof of consumption, and provide an invoice and a small receipt to confirm that it is a real consumption.

third, repay the loan in time and unseal it. If the cardholder forgets to return the arrears and the card is blocked, the credit card bill will be returned in time. If the circumstances are not serious, the bank will automatically resume the use of the credit card the day after the payment is completed. Overdue affects personal credit information, and it is recommended that cardholders still return their credit card bills on time.

Compared with ordinary bank savings cards, the most convenient way to use a credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

you can overdraw your consumption without deposit, and you can enjoy an interest-free period of 2-56 days. You can repay the money on time without any interest (most banks will charge .5% interest on the day of cash withdrawal, and there is a 2% handling fee, while ICBC will charge no handling fee and only interest).

swiping your card while shopping is not only safe and convenient, but also a bonus gift.

special merchants who hold cards in banks can enjoy discounts.

accumulate personal credit, and add a credit record to your credit file, which will benefit you for life.

it is barrier-free to pass through the whole country, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo;

credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always be surprised as long as you use the card;

Send the statement free of charge every month, so that you can grasp every consumption expenditure transparently;

unique supplementary card function, suitable for husband and wife to manage money together, or to master their children's financial expenses.

The freely chosen form of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.

4 telephones or 5-digit short numbers with the prefix of 9 provide 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.

possession validity period: it is known that the validity period of domestic credit cards is generally three or five years.

use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

Excuse me, what should I do if the credit card is blocked?

Because when it is blocked within the time limit, you must repay it as soon as possible. After repayment, you can call the bank customer service hotline to apply for unblocking; If the bank thinks that the credit card has been cashed out, it can submit proof materials at the bank outlets and apply for unsealing.

provide transaction notes to the bank card department: this method is suitable for credit cards suspected of cashing out by banks. Call customer service directly to say that their credit cards have been blocked, and customer service will ask cardholders to provide consumption invoices and POS purchase orders, as long as a formal invoice and POS purchase orders can be sent to the bank mailbox by fax or scanning.

Cross-regional restrictions on automatic unblocking: Generally speaking, if there is a sudden cross-regional or overseas consumption transaction on a credit card, the bank will block the cardholder's credit card to protect the possibility that the cardholder's credit card will be swiped, and then contact the cardholder by phone, and will automatically unblock it after confirming that it is his own transaction.

customer service phone confirmation to unblock the card: if your card is blocked due to overdue, you can call customer service to explain your situation and ensure that it won't happen again in the future. Generally speaking, most banks can unblock the card, but the premise is that it is seriously overdue.

For more information about how to do if the credit card is blocked, please enter: See more information

How to unblock the credit card

First, you need to understand the reasons for blocking the credit card, and then solve them through corresponding methods. The reasons and solutions for blocking are as follows:

1. Because you must repay the loan as soon as possible when it is blocked, you can call the bank customer service hotline to apply for unblocking after repayment. If it is really impossible to repay, you must negotiate with the bank, explain the reasons and apply for deferred repayment. The longer the repayment is delayed, the less likely it is to be unsealed.

2. If the bank thinks that the credit card has been cashed out, you can submit your proof materials, such as bills paid by credit cards, to the bank outlets, and you can generally unblock it after showing the proof materials. If it is really cashed out, the chance of unsealing is very small.

that's enough for the introduction of how to deal with the blocked credit card.