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.
Baidu encyclopedia-credit card
Baidu Encyclopedia-China CITIC Bank Credit Card
What should I do if the credit card of CITIC Bank is locked? You can get to know it.
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1, the general credit card is locked mainly because of the wrong password.
2. Incorrect credit card password is locked. If you use the credit card of CITIC Bank, the credit card cannot handle the password unlocking business.
3. After the password is locked, the cardholder can only apply for password reset by himself with his valid ID card and the card at the time of card application, and the new password will take effect at that time.
4. Credit card password reset can be handled at the card issuing institution or at the counter of outlets, either locally or in other places, with the same process.
My CITIC bank card is locked. How can I untie it?
1, bank card password lock, which can be solved in two situations:
A) Some bank cards are temporarily locked and automatically unlocked, usually the next day or 24 hours later;
B) Some bank cards will not be unlocked automatically. You need to take your ID card and bank card to the bank outlet to unlock them.
2. The bank card password lock cannot be unlocked on the website, and must be unlocked at the counter through offline outlets.
The relevant staff of the electronic banking department of a large state-owned bank said that the login password of telephone banking is the inquiry password and the withdrawal password of bank card are two concepts. Even if it is entered incorrectly for three times in a row, it will only suspend the inquiry function of telephone banking and will not affect the fund activities of the account. Cardholders can still withdraw money with the correct withdrawal password. "Only when the transaction password is entered incorrectly three times a day, the account will be locked, and the account holder needs to hold the ID card to unfreeze at the counter." Extended data
Matters needing attention in the use of bank cards
1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;
2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;
It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.
4. When spending by credit card, don't let the bank card leave your sight, pay attention to the number of times the cashier swipes the card, and when you get the shopping list and card, check whether the amount on the shopping list is correct and whether it is my card;
5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;
6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.
Bank cards are frozen mainly for the following reasons:
1. If the balance of the bank card is insufficient 100 yuan, it will not be used for a long time.
2. Telephone banking or entering the wrong password for three consecutive times on the ATM.
3. Loss reporting of bank cards.
4. Being maliciously manipulated, after knowing his bank card, ID card and other information, he called the bank to pretend to be the owner of the bank card and asked to report the loss.
5. Others, such as arrears enforced by the court.
Application and loss reporting:
The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid certificate, residence certificate, unit income certificate or personal assets certificate and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true.
After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Handling debit cards is relatively simple. You just need to bring your own valid documents, mainly your ID card, fill out the application form at the bank where you open the account, and then you can issue the card to the applicant.
The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.
Precautions:
1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately;
2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks;
It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose your bank card number and password at will.
4. When spending by credit card, don't let the bank card leave your sight, pay attention to the number of times the cashier swipes the card, and when you get the shopping list and card, check whether the amount on the shopping list is correct and whether it is my card;
5. Open SMS service, keep abreast of account changes, and immediately call the bank to report the loss once abnormal transactions are found;
6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.
Frequently asked questions:
Bank cards should not be placed with mobile phones, televisions, stereos, microwave ovens and other electrical appliances with strong magnetic fields. It's better to put it away. Don't put multiple bank cards and passbooks together.
1, when buying a wallet, there are usually small hard cards from several brands. Don't throw them away! When playing cards, except that the cards can't be on the same interlayer, put a card of this kind on the side with magnetic stripe to play the role of spacing.
2. ICBC has a special bank card holder, which works well and can be used many times.
3. It's not bad to use ID card as the interval.
Finally, it should be noted that the bank card must not be put in the pocket directly with the mobile phone, so it is likely to be degaussed soon.
Can CITIC Bank Card be opened after being locked for one year?
CITIC Bank Card can still be opened after being locked for one year. According to relevant information, CITIC Bank Card has been locked for one year. You need to bring your ID card to the counter of CITIC Bank to unlock it before you can use it. CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987, and changed its name at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.