Credit card is a commonly used payment tool for everyone. It can be used as an overdraft for consumption or to borrow money for emergencies, which greatly facilitates the daily life of cardholders.

What happened if the ICBC credit card cannot be used?

1 The credit card has not been used for a long time

If there is no transaction within 6 months after the credit card is activated, the bank will suspend it. The credit card business under the account is not over the counter. Cardholders can log in to mobile banking and search for "Unchanged Account Verification" for self-service resolution. If there are more than 5 cards, the main cardholder needs to bring his or her ID to any business outlet for identity verification. The card can be used immediately after successful application.

2 Credit card expires

Cardholders can log in to mobile banking, select the corresponding card through the "Credit Card" page, and click "Settings-Basic Settings-Change Card" to change the credit card. If the card will expire next month, please select the "appointment to replace card upon expiration" function.

3 Certificate Expiration

If the validity period of the cardholder’s ID card retained by ICBC has expired or is about to expire, the card application document must be the ID card and be bound to the ICBC card. , you can use the "ICBC Service" WeChat applet, select the "My - Certificate Validity Period Maintenance" function, and follow the page prompts to handle the certificate expiration update, and the update will take effect in real time if successful.

4 Credit card password is locked

Credit card passwords entered incorrectly for 5 consecutive times at home and abroad will be locked. Cardholders can bring their valid ID and credit card to ICBC at any time. Business outlets can reset it for free and cannot do it on behalf of others. It will take effect immediately after the reset is successful.

If the cardholder is between the ages of 16 (inclusive) and 80 (exclusive), and uses a second-generation ID card to open an account and the current credit card is a mobile banking counter-registered card and is bound to a U-Shield, he or she can log in. For mobile banking, go to the "Credit Card" page and select "Settings - Password Management - Reset Password" to reset your credit card password yourself.

5 Credit card freezing

Late repayment is generally a common reason for credit card freezing. It is recommended that cardholders first check whether there is any outstanding debt, and then It can be defrosted in two days. If there is no outstanding balance in the card, or the account still cannot be used normally after paying off the outstanding balance, please bring your valid ID and credit card to the local outlet where the card was issued for verification.

The above are several situations in which ICBC credit cards cannot be used. You can pay attention to them.