Why is the credit card locked?

It means that the card has been locked by the banking system and cannot be used any more.

If the screen shows that the card has been locked by the banking system and cannot be used any more. There are two reasons for locking the card:

1. The most common reason for locking the bank card is that the password is entered incorrectly. Once the password is entered incorrectly for more than three times, the bank card will be locked. You must bring your ID card and bank card to the counter to unlock it. Don't hold too many bank cards, otherwise the security will not be guaranteed.

2. Credit card cashing and overdue behavior, because once the credit card is overdue for 2-3 months, the bank will lock it. For small partners who often cash out with credit cards, once the ABC's risk control system monitors the cardholder's cash-out behavior, it will lock their cash-out bank cards.

Note:

If the password is entered incorrectly for three times, it will be locked. However, this is divided into the wrong password for inquiry and the wrong password for ATM withdrawal transaction. If the inquiry password is entered incorrectly, it will be unlocked automatically the next day. If the transaction password is entered incorrectly, you must bring the credit card and the cardholder's ID card to the bank outlet to unlock it.

Extended information

Precautions for card safety of bank cards:

1. Please keep your personal information properly and don't tell others about the expiration date.

2. When spending by credit card, don't leave your sight. When entering the password, please pay attention to occlusion. Don't set the password too simply, and don't use birthday, phone number and ID number as passwords. Never write the password on the card or put it with the card. There are some card information on the purchase order, so don't throw it away at will.

3. Please carefully identify the website address to prevent you from visiting fake shopping websites and fake online payment pages. If you find suspicious websites, please call the customer service hotline in time to verify. Don't enter bank account numbers, passwords and other information on unknown websites to avoid being stolen by phishing websites or trojans.

4. If there is any change in your personal information (for example, contact information and address), please modify the relevant information through the banking system in time.

5. Check your transactions regularly and check the statements.

6. Please read the consumption notification message sent by our bank carefully. If the amount of the message does not match the actual amount, please call the customer service hotline in time for further inquiry.

How to solve the problem of credit card being locked

Solution of credit card being locked:

1. If the password is locked by mistake after being entered for three times, you can take your credit card and ID card to the bank to unlock it and set a new password.

2. If the credit card is locked due to overdue, you need to pay off the arrears in time, otherwise it will affect your personal credit information.

3. When the bank detects that your credit card is risky in transaction, it will be locked. At this time, you can contact the bank and explain your transaction. If it is a normal transaction, you can unlock it.

4. When you have a property lawsuit, your credit card will be locked, and it will be automatically unlocked when the lawsuit is over.

For more information about how to do if the credit card is locked, go to: See more

What does it mean if the credit card is locked?

The most common reason why credit cards are locked is the incorrect password input. Credit cards will be locked once the password input is incorrect for more than three times.

(1) Once the credit card is overdue for 2-3 months, the bank will lock the credit card.

(2) once the bank's risk control system monitors the cardholder's cashing behavior, it will lock the cashed bank card.

1. The online bank will temporarily seal the cardholder's bank account due to the wrong password entered for more than 3 times when logging in. Generally, you can return to normal the next day, and then enter the correct password to log in;

2. If the credit card is locked due to too many incorrect password entries when withdrawing money or inquiring at the ATM, you can only go to the bank counter to find the bank staff to reset or retrieve the password;

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

4. Unlocking methods for overdue locked credit cards:

(1) For overdue locked credit cards, repayment is the most important thing, whether in full, in installments or at the lowest level.

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

5. How to unlock the locked credit card:

If you want to unlock it, it depends on the mood of the bank staff. You can contact the relevant bank staff to explain the situation first, provide the normal historical consumption record of the locked credit card, and apply to the bank for unlocking the credit card.

Extended information:

Precautions for credit card use:

1. Never cash out by credit card:

(1) Cash out means that after spending by credit card machine, the holder of credit card machine will return the credit card amount to the cardholder in cash, and deduct a certain handling fee. Of course, this handling fee is generally lower than that generated by direct cash withdrawal by credit card;

(2) The National Credit Card Law stipulates that cash is paid directly to credit card holders by means of fictitious transactions, false pricing, cash return, etc. By means of point-of-sale terminal equipment (POS machines). If the circumstances are serious, it shall be convicted and punished for the crime of illegal business operation according to the provisions of Article 225 of the Criminal Law. It is illegal to cash out.

2. Never use a credit card to raise a card

(1) Since you can't cash out, it's ok to cash out. There are many banks' credit cards. If you take out the cash from one credit card and pay back the credit card arrears from another bank, you will never have to pay back the credit card debts.

(2) Every time you withdraw cash, you have to charge a handling fee and interest. If you go back and forth like this, and you are still spending money with your card, the amount owed will continue to accumulate and will not be substantially reduced;

(3) This is a bigger and bigger snowball! When one day the credit card withdrawal limit runs out and there is not enough cash on hand, the capital chain is broken, the credit card repayment may be overdue, and your personal credit will be damaged in a chain, which will greatly affect the future refinancing card.

3. Don't spend money with credit cards:

It is fashionable and convenient to think that credit cards can spend money in the future. So when you get the card, you spend it unscrupulously, regardless of your own endurance. As a result, the amount of consumption increased sharply and it was impossible to repay.

4. Don't compare with the credit card limit:

(1) The colleague's limit is 4,, and his own is only 2,. No, it must be higher than the colleague's limit! So I tried every means to increase the quota. In fact, the amount of most credit cards is enough for cardholders to use every month;

(2) If the credit limit is too high, it will stimulate cardholders' desire to spend more, and may also affect other banks' applications for new cards and loans.