Why is the ICBC card locked by the banking system?

1 There are many reasons why the ICBC card is locked, such as abnormal card account status, expired card, or exceeding the available limit. , the number of incorrect passwords exceeds the limit, etc. If your ICBC card is locked without knowing it, in order to protect the security of your account and funds, you can find a business outlet for consultation, or call the ICBC customer service hotline 95588 for enquiry.

2 Another situation is that if the ICBC card is lost and the bank system locks the card, then you can call the police and tell the police that they don’t know if they used this card or if it is involved. If you receive criminal funds, you are willing to cooperate to unlock and return them to the defrauded person.

3 The most common situation is that the ICBC card withdrawal password is entered incorrectly three times in a row and the card is locked. If you cannot retrieve it by yourself, you need to bring your valid ID and bank card to any ICBC branch to reset your password for free, which usually takes effect immediately. If you remember the password and enter it incorrectly due to mistake, the password will be automatically unlocked if the outlet passes the password verification.

Actually, the ICBC card has been locked by the bank system. Don’t worry. This is just a very common business. You only need to bring the card and ID to the bank to unlock it. For this kind of business, the equipment in the general lobby of the bank can be used. Apply without waiting at the counter. You can also call the bank's customer service center to find out the specific situation. If the card is used to commit a crime, the best way is to call the police.

ICBC card being locked by the system refers to a state where the ICBC credit card is automatically locked by the banking system. There are many reasons why an ICBC card is locked by the banking system, and entering the password incorrectly multiple times is one of them.

If the frozen code of the bank is displayed, the cardholder needs to go to the counter to apply for unblocking, and it will not be possible to unblock without going to the counter.

What is the reason for the freezing of ICBC cards? How to recover?

1. If a credit card is overdue and frozen, usually the account will be automatically unfrozen the next day after the user pays off the total balance of principal and interest.

2. If the password is entered incorrectly and frozen, the user needs to go to the bank counter with his or her ID card to unfreeze or wait 24 hours for the system to automatically unfreeze.

3. If the user has verbally reported the loss of his credit card and frozen it, it will take about 15 days to unfreeze it.

4. The balance in the card is incorrect or a business error occurs, resulting in freezing. This situation is an error caused by the bank. The specific unfreezing time requires the bank to resolve the issue before it can be unfrozen.

5. If you do not have an account for a long time, generally speaking, a card that has not been used for payment for more than 2 years or has expired without a new card will be frozen. In this case, as long as the bank card has business, it will be automatically unfrozen. .

How to unlock an ICBC credit card if it is locked

The situations in which an ICBC credit card is usually locked are as follows:

1. When the password of the ICBC credit card is After three incorrect entries, the industrial and commercial credit card will be locked directly. In fact, this is also a manifestation of the bank's protection of the rights and interests of cardholders.

2. When a cardholder frequently uses a credit card to cash out large amounts, UnionPay will cast doubt on the cardholder’s credit, and ICBC will also reduce the cardholder’s credit card limit, making the situation more serious. The card may be blocked directly. Because using POS machines to cash out large amounts will make cardholders suspect fraud.

3. If the cardholder fails to repay the loan multiple times beyond the specified date, the industrial and commercial credit card will also be frozen.

4. If the cardholder frequently swipes the card within the scope of his or her work industry, the account will be locked immediately as soon as ICBC finds out, because ICBC’s risk prevention is still very strict!

5. Industrial and commercial credit card holders are not allowed to make frequent online purchases, because if we make online purchases, ICBC will not make any profits, so this will also cause our industrial and commercial credit cards to be locked.

In fact, the unlocking process for some industrial and commercial credit cards is also very simple. For example, if the card is locked due to overdue repayment, you only need to pay back the money and you will be fine.

But if the industrial and commercial credit card is locked due to too many overdue repayments, then the editor really does not have a suitable industrial and commercial credit card unlocking process to solve your problems.

ICBC credit card is locked, but the card status is normal. What’s going on? Thank you all

Credit cards are divided into card status and account status. Although your card is normal, the account is usually locked. Usually the background detects that you have used the card illegally. Please pay attention to it. . The most common reason why a credit card is locked is that the password is entered incorrectly. Once the credit card is entered incorrectly for more than 3 times, it will be locked.

(1) Once the credit card is overdue for 2-3 months and has not been repaid, the bank will The bank's credit card will also be locked;

(2) Once the bank's risk control system monitors the cardholder's behavior of cashing out, it will lock the bank card used for cashing out.

1. If you enter the wrong password more than 3 times when logging in to online banking, online banking will temporarily block the cardholder's bank account. Generally, it can return to normal the next day, and you can log in by entering the correct password;

2. When withdrawing money or making inquiries at the teller machine, the credit card is locked due to too many incorrect password entries, so you can only Go to the bank counter to ask the bank staff to reset or retrieve your password;

3. When your credit card is locked, you can call the bank's credit card customer service hotline to apply for unlocking. If necessary, you need to reset your password. Once the credit card is successfully unlocked, it can be used normally;

4. How to unlock overdue locked credit cards:

(1) For overdue locked credit cards, repayment is the most important Regardless of whether it is in full, in installments or at the lowest level, repay the debt first

(2) The bank will re-evaluate the cardholder and will unlock it if the circumstances are not serious;

5. How to unlock a locked credit card for cash out:

To unlock it, it mainly depends on the mood of the bank staff. You can first contact the relevant bank personnel to explain the situation and provide the normal consumption history of the locked credit card. Record and apply to the bank to unlock the credit card.

Extended information:

Notes on using credit cards:

1. Do not use credit cards to cash out:

(1) The so-called cash out, After consumption is made through a card swiping machine, the holder of the card swiping machine will return the amount swiped to the cardholder in the form of cash, and a certain handling fee will be deducted. Of course, this handling fee will generally be lower than the cost of withdrawing cash directly with a credit card;

(2) The National Credit Card Law stipulates: Using point-of-sale terminals (POS machines) and other methods to directly pay cash to credit card holders through fictitious transactions, false prices, cash returns, etc., is a serious matter , shall be convicted and punished for the crime of illegal business operations in accordance with the provisions of Article 225 of the Criminal Law. "It is illegal to cash out.

2. Never use a credit card to maintain your card

(1) Since you can't cash out, you should be able to withdraw cash. There are many banks If you use a credit card to withdraw cash from one credit card and use it to pay off the credit card debt from another bank, and repeat this cycle, will you never have to pay back the credit card debt?

(2) What is the amount of cash withdrawn each time? If you have to charge handling fees and interest, and the cycle goes on and on, and you are still using the card to make purchases, the amount of debt you owe will continue to accumulate and will not be substantially reduced;

(3) This is a growing problem Snowball! When one day your credit card cash withdrawal limit is used up, and you don’t have enough cash on hand, the capital chain is broken, and all credit card repayments may be overdue. Your personal credit will be damaged in a chain, and it will be difficult to apply for a loan in the future. will be greatly affected.

3. Don’t use credit cards without restraint:

I think credit cards can be used to spend money in the future, which is fashionable and convenient, so I spend recklessly when I get the card. You don’t consider your own affordability at all. As a result, the amount of consumption increases sharply and you are unable to repay.

4. Don’t compare with your credit card limit:

(1) Your colleague’s limit is 40,000, and you only have it. 20,000, no, it must be higher than the limit of my colleagues! So I tried every means to increase the limit.

In fact, the limit of most credit cards is enough for cardholders to use it every month;

(2) Too high a limit will stimulate more cardholders’ desire for consumption and may also affect the new policies of other banks. Card applications and loans.

The ICBC credit card is locked, how to unlock it

(1) If the ICBC credit card is locked due to entering the wrong password three times in a row, the cardholder needs to bring it with him after it is locked. If you have a valid ID and credit card, go to any ICBC branch to reset your password, but you cannot unlock it yourself.

(2) If the ICBC credit card is locked due to multiple overdue repayments, the solution is to repay in full, then call ICBC customer service hotline 95588 to transfer to manual customer service, and then apply to unlock the credit card. Can.

Extended information

ICBC credit card launches account security lock service through "overseas lock", "region lock", "night lock", "overseas card-less payment lock" and "limit lock" Five locks help customers comprehensively prevent and control the risk of fraud.

1. After the customer activates the "overseas lock", ATM cash withdrawals and POS card purchases cannot be made outside commonly used overseas countries or regions;

2. After the "region lock" is enabled, the customer cannot withdraw cash at the ATM or use POS cards to make purchases within the country. ATM cash withdrawals and POS card purchases cannot be made outside the usual places;

3. After enabling the "night lock", ATM cash withdrawals and POS card purchases cannot be made from 23:00 Beijing time to 5:00 the next day in domestic areas. ;

4. After enabling the "overseas card-less payment lock", the overseas card-less transaction function of the card will be suspended;

5. After enabling the "limit lock", when the consumption amount When the POS card consumption limit is greater than the card setting, the transaction will be suspended.

ICBC customers can set up the account security lock function for all credit cards under their names and for supplementary credit cards opened for others.

People's Daily Online - ICBC launches credit card account security lock service to prevent the risk of fraud

ICBC credit card is locked

According to querying relevant information, ICBC credit card is usually locked. The following three situations:

1. If the password is entered incorrectly, the credit card will be locked once the incorrect password is entered more than 3 times.

2. If the credit card is overdue and has not been repaid for 2-3 months, the bank will also lock the credit card.

3. Cash-out behavior. The bank's risk control system monitors the cardholder's cash-out behavior and will lock the bank card used for cash-out. The ICBC credit card is locked and the cardholder needs to bring their ID card and bank card to the counter for processing.

That’s it for the introduction of ICBC credit card being locked.