There are many reasons why a bank card is frozen, including entering the wrong password multiple times, overdraft exceeding the limit, official inspection by the court, and abnormal bank card transactions. It should be noted that the credit card cannot be used after it is frozen, and annual fees will still be incurred because the account has not been closed. So, if the bank card is frozen, can I apply for a new one?

Can I apply for a new bank card if the bank card is frozen?

Can I apply for a new bank card if the bank card is frozen? The main thing is: It depends on the reason why the bank card was frozen. If the bank card is frozen due to official inspection by the court, then the reopening will also be frozen. If it is frozen due to other circumstances, you can apply for a new one. If it can be unfrozen, it is best to unfreeze it and use it, because a bank can only have one first-level card.

Reasons for bank cards being frozen:

1. Overdue credit card repayments. Young people are accustomed to using credit cards to make purchases in advance. For people who spend blindly, using credit cards is not a good thing. It may be that the amount of consumption is too high and cannot be repaid, causing the credit card to be overdue, which will charge penalty interest and also affect the credit report. When the overdue time is long, the bank will freeze the cardholder's credit card, and the cardholder will no longer be able to use it in the future. A good approach is to pay it back as soon as possible.

2. Cashing out by credit card is a red line in the use of bank credit cards. Using credit cards to cash out has always been prohibited by banks and is also illegal. When a user uses a credit card to cash out and is detected by the bank, the use of the credit card will be directly frozen. Function. If it is normal consumption behavior, you can provide your consumption records to the bank and apply for unblocking of the credit card.

3. Report the loss of a credit card. When a credit card is lost, you can call the bank customer service number to report the loss. During the loss reporting stage, the credit card will be frozen and cannot be used. You can continue to use it after a new credit card is issued.

4. Enter the wrong password for your bank card. Nowadays, people need to remember a lot of passwords. There may be confusion in passwords. If you enter the wrong bank card password three times in one day, the bank card will be frozen. , will generally resume use after 24 hours.

5. The debit card has been frozen by the judiciary. If the cardholder is involved in a crime, the law enforcement department will freeze the bank card in the name of the criminal suspect. At present, many old people refuse to repay the loan even if they have sufficient repayment ability. If they are sued, their savings cards may also be frozen.

The reason why the bank card is frozen can be checked by telephone consultation with bank customer service, consultation at the bank counter, or inquiries by relevant judicial departments. If the bank card is frozen, there will be a prompt when logging in online. However, the specific reason cannot be known online. It still needs to be inquired by the bank's internal system or judicial agency.

The above is all the content, I hope it will be helpful to you.