What's certain is that you are indeed blacklisted, and it's all recorded in the records of the past few months when you failed to pay back the money. Accurately speaking, in the "personal credit report" system established by the People's Bank of China, everything about your unpaid money under your ID number is accurately reflected in this report. This system of the People's Bank of China is open to all authorized institutions and yourself. If you still remember the application form you filled out when you applied for a credit card, I don't know if you read the "Credit Card Collection Contract" printed at the back of the form. If you signed it, it means that you have agreed to ask ICBC for your credit report. In the future, if you want to apply for a credit card or loan from another bank, you need to sign that the bank can inquire about your report. As long as you inquire, you can see how many times or consecutive times your bank's card was overdue in Na Yue that year. For example, you are overdue once in July. (Although it's overdue because 2 yuan didn't repay the loan in full, it won't be recorded in the report, which basically has no language and comments, but only specific quantitative figures and symbols.) Then, under the column of "Credit card repayment in the last 24 months", the number "1" was recorded seven times, but you didn't repay it in August, and the number "2" was recorded eight times, which is now 12, which has become terrible. In addition, record "5" under the column "The lowest repayment amount has not been paid continuously in the last 12 months". If you pay it back this month, it will be five consecutive months from July to November.
In short, compared with those who have never been innocent at all, if the number symbol * * * appears in the corresponding records in this report, it means that there is a stain. The bigger the number, the more serious the situation will be.
I must tell you the truth, don't say 5, that is, the appearance of 3 is particularly serious. This means that you haven't paid the loan for three months in a row. (Although your situation is indeed a little wronged, this result is only caused by 2 yuan, but it's a pity that this record is very cold and inhuman, and there are only two results: overdue and non-overdue, and nothing else.)
In fact, according to what you said, you can judge that the situation is very serious, and generally banks that have been overdue for three times in a row will call for collection. But the worst thing for you is to get a credit card from ICBC. If it is Minsheng Bank, this is not the case. Minsheng Bank generally doesn't count the arrears owed by 1 yuan as overdue within three months. Many other banks are also much more humane. Only the four major state-owned banks, such as Industrial and Commercial Bank, can do such a thing.
if the card is frozen, in fact, the card is controlled by payment suspension. At this time, you can only deposit money into the card, but you can't swipe your card or withdraw cash. I don't know how your ATM machine can't pay back the money. You should call ICBC immediately and explain the situation. They will tell you what to do. If there are no industrial and commercial outlets, then you can only pay by inter-bank transfer or online banking. The quickest way is to find the counter of industrial and commercial outlets to repay. In fact, at this point, there is no hurry with these two days. The key is to make a phone call and ask them if your situation has been reflected in the credit information system of the People's Bank of China. Can you ask the industry and commerce to cancel the record? Because it's only 2 yuan, and you didn't mean to. Sometimes a person who answers the phone may not be able to do it, so you should change to another operator who answers the phone. At the very least, ask them to record your situation and tell your superiors to handle it.
If the result is not good, then the only way to minimize the negative impact is as mentioned by the above person. After you at least pay back the money, ask the bank to unfreeze you and restore your normal state. This requirement is likely to come true, because after all, it is unintentional and the number is very small. If you don't make another overdue payment after returning to normal, the number in the column "Repayment in December" will disappear one year after you pay off all the arrears, that is, this month. Two years later, what was recorded in April will also be filled and washed away by later new records. But it will take at least two years.
if, unfortunately, after you pay back the money, the bank rejects your application for unfreezing and cancels your card, the result will be the worst. Your overdue this time will be fixed for a long time. The impact is long-term. (In western developed countries, negative records are usually eliminated after 7 years. China is currently not ... > >
question 2: what should I do if the credit card of rural credit cooperatives is frozen? I can unfreeze it. Just call customer service to operate it. Reset the transaction password. Be sure to call in person. Bank customers will know some details of the card owner before they can do it.
Question 3: What should I do if the overdue credit card is frozen by the bank? Solution to overdue credit card:
1. As a credit card holder, once he is unable to repay on time due to unemployment, illness or other accidents, before the final repayment period comes, the cardholder had better take the initiative to call the credit card center of the bank, state
his financial situation, declare that he is not maliciously in arrears, and apply for delayed repayment and interest concessions.
2. In view of the cardholder's active performance and previous good credit record, the bank will often agree to postpone the repayment, and negotiate with the cardholder a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc.
In this way, if you contact the bank on your own initiative and the bank agrees to postpone the repayment, you won't get bad records. However, it should be noted that the repayment will be guaranteed as agreed in the future.
3. If you usually neglect to repay, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare the non-malicious arrears. If you have a good record in the past, < P > and the overdue time is short, you may not be recorded as a bad record if you find that the repayment is good after the overdue. Don't be careless in the future, be sure to pay attention to the bank's bill notice and collection information to avoid overdue.
4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If the card is used for termination, the corresponding record will not be scrolled
, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to keep using the card for more than two years and maintain a good credit during the period, so that the bad records can be removed from the credit information system by < P > rolling records.
in today's credit society, don't underestimate the credit card stain, which will lead to a lot of banking business, such as car loan, mortgage loan and commercial loan. So, develop a good habit of using credit cards, understand the solution of credit card overdue, and be prepared!
question 4: what happens if the credit card account number is frozen? After being frozen, you can't spend money by credit card. But this is a small matter, and blacklisting you in the credit database is a big thing. No matter what kind of bank credit card or loan you apply for in the future, you can't do it. It will take seven years to get rid of bad records.
2 just go to the counter and deposit the money in the card number. You can call the credit card center to inquire about the specific amount owed.
hurry up and return it, or you may receive a letter from ICBC's lawyer.
Question 5: How can I open a credit card if it is frozen? If you are a credit card of our bank, it depends on the reason why you are frozen, because Baidu platform can't verify the account information. Please call the hotline on the back of the credit card, and the customer service staff will verify and handle it for you after entering the manual.
if you have any questions, please add enterprise QQ customer service 4825555 or WeChat to add public account "China Merchants Bank Credit Card Center" for detailed consultation.
question 6: China merchants bank's credit card is frozen. how can it be unfrozen? Hello, 15 minutes, I suggest you pay the minimum repayment amount as soon as possible, and then call 4825555 to enter your ID number, and then select 9 to enter the manual, which will be verified by the customer service staff.
if you have any questions, please add enterprise QQ customer service 4825555 or WeChat to add public account "China Merchants Bank Credit Card Center" for detailed consultation.
Question 7: What should I do if the bank does not unfreeze the frozen credit card? If the credit card cannot be unfrozen, we should look at the freezing reasons to find countermeasures.
1. Suspected cashing leads to freezing
Frequent use of pos machines to withdraw large amounts of cash has caused UnionPay to have doubts about the credit of cardholders, and banks will reduce the credit card limit, and in serious cases, they will directly freeze it. At this time, it is necessary to provide relevant evidence of non-cashing, otherwise it will not be unfrozen.
2. Repeated overdue repayment
The solution is to repay the loan in full, call the customer service and ask for unfreezing. As a result, the credit limit may be reduced. However, if there are not many overdue times, the general customer service will unfreeze it. If the amount is large and overdue for a long time, it cannot be unfrozen.
3, the second clearing POS machine sets the code and jumps the code
At present, the second clearing machines are flooding in the market, and some of them use the big merchant model, which leads to a chaotic state of credit card consumption records! For example, if Zhang San lives in Beijing, he spends a transaction in 1 yuan in a certain store, and the registration information of the Erqing POS machine used by the other party in the bank may be in another city. Once Zhang San spends money at another POS machine in another merchant's class on the same day, there will be a credit card swiping record in several different cities in one day, which is very easy to be seized by the bank. At this time, it is still possible to unfreeze it by explaining the reason to the bank.
4. If the property is frozen or confiscated due to various disputes, the credit card will also be frozen, which is rare. Solve the lawsuit first, and then consider unfreezing the credit card.
There are some forbidden areas when using credit cards:
1. Repeated operation at the same POS machine for several months.
2. brush it off on the pos machine once it is activated.
3. The same card is swiped on the same capping machine on a fixed date every month, which takes up bank funds.
4. There are transactions beyond normal business hours, such as after-hours transactions of merchants in the wholesale market.
5. The credit card has been in an empty state for a long time. For example, if the repayment date is rounded in and rounded out in a short time, there is no credit card record at other times and the number is less than 2, which can be detected by operating the background system for several months.
6. A single integer transaction, such as 1, 5, 15, 24, 12, 24, 15 and 55, is suspected of cashing out.
question 8: how can I repay my credit card after it is frozen? After freezing, credit cards can still be operated in ATM machines, but they can only be repaid.
Pay back as much as you have now, and click in as much as you have, otherwise the bank will keep calling you, calling your home phone and calling the contact you left at the beginning.
Question 9: What if the credit card is frozen and there is no money? If it is a credit card of China Merchants Bank, if the minimum repayment of the bill is not returned in time before the due repayment date, late fees and interest will be charged, and personal credit will be affected. 5% of the unpaid part of the minimum repayment amount will be charged for the overdue fine, and the minimum payment will be RMB1 yuan or USD1 yuan. Interest means that all consumption in the current period will be collected from the bookkeeping date (usually the day after consumption), with a daily interest rate of five ten thousandths until it is fully paid off.
In order to avoid affecting personal credit, it is recommended to pay back on time. If it is inconvenient to pay off the bill in full, please pay off at least the minimum repayment amount on time.