How to freeze your credit card so that you can only pay off but not spend?

To freeze your credit card so that you can only pay back but not spend, you can call the credit card center to ask for temporary control, so that you can't swipe the card. Spend or withdraw cash, but you can pay back to your credit card.

1. The meaning of temporary control of credit cards

Temporary control of credit cards means that the cardholder cannot temporarily find the card, but cannot be sure whether the card is lost or reports the loss by someone other than himself. The practice of controlling cards.

2. Notes

Cardholders need to be reminded that CCB’s temporary account control has no time limit, while Bank of Communications and CITIC Bank have a time limit. If the cardholder fails to remove the control within the specified time, the card will enter the official loss reporting status and a handling fee will be charged. However, even if cardholders apply for temporary control of credit cards, they still have to bear certain risks. Banks only promise to lock out cash withdrawals at domestic shopping malls and counters for temporarily controlled credit cards; however, any losses that may arise from online transactions, telephone transactions, and overseas transactions are still borne by the cardholders themselves.

3. There are many banks that can implement temporary control on credit cards

For example, China Construction Bank, Bank of Communications, CITIC, etc. If the cardholder finds the card within this time, the temporary control on credit cards can be cancelled. Now, the credit card can be used normally again. However, there are still some banks that cannot use this service, such as China Merchants Bank, Shanghai Pudong Development Bank, etc. If it is a credit card from these banks, the cardholder needs to go through the formal loss report process. Speaking of this, many card friends want to ask about the temporary control of credit cards. Is there a fee? The editor's answer is that there is no charge for temporary credit card control, it is completely free. Cardholders are welcome to use this service to protect their credit cards.

Warm reminder: CCB’s temporary control of credit cards has no time limit, while Bank of Communications and CITIC have time limits. If the cardholder does not cancel the card within the time specified by the bank, the credit card will automatically enter There is a formal loss reporting process and there is a handling fee.

Even if cardholders apply for temporary control of credit cards, they still have to bear some risks, because currently banks can only lock domestic shopping malls and over-the-counter transactions, but cannot handle overseas; online, telephone transactions, etc. Locked, these transactions are at the cardholder's risk.

When using a credit card, under what circumstances will the card be frozen or blocked?

With the emergence of the early consumption model, young people’s consumption concepts have been very different from those in the past. Of course, with the emergence of advance consumption tools such as credit cards, Huabei, and Jiebei, ordinary people can still benefit from them when they are in urgent need of money. Moreover, as long as credit cards and Huabei are used reasonably, you don’t have to pay any interest.

Of course, in the process of using credit cards, what users are most worried about is naturally encountering delimitation or card blocking. Many people say that they are using their cards normally, but their credit limit is still inexplicably lowered by the bank. Why is this?

Why are credit cards blocked?

Usually because cardholders use credit cards to cash out, or are suspected of cashing out and other risky behaviors, they are easily targeted by banks and judged as risky users. Therefore, the bank will remind the cardholder in the form of text messages. If such behavior persists after the reminder, the card will most likely be blocked.

When there are risky transactions or abnormalities on your credit card, you will usually receive a phone call from the bank’s customer service staff for confirmation. The customer service staff will remind you of the abnormalities in your credit card and confirm with you whether the card was swiped by you. . If a user receives this type of call, it means that the bank's risk control system has focused on you and has begun to suspect that your credit card is abnormal. If you do not insist on using the card properly, the credit card will be blocked soon. of.

Many times we swipe credit cards for various reasons, but we can’t find the original card and keep swiping the card. Such frequent credit card attempts are also unfair and may lead to suspicion of credit card arbitrage. So once a credit card swipe fails, don’t try too many swipes at most.

What should I do if my credit card is frozen?

Pay off all outstanding debts including interest as soon as possible, call the credit card center to explain the situation, and apply for activation. You should not need to provide any materials. Never cancel your account, continue to use it for at least 2 years, and try to avoid the above situations.

Credit card, loan and guarantee data will be reported to the personal credit system and updated on a monthly basis. No matter how many days overdue, a negative record will be formed, and the degree of overdue is only indicated by numbers.

As we all know, the popularity of credit cards is actually a double-edged sword. It does bring convenience to people's daily consumption, but it also leads to the emergence of various "advanced consumption", and this group is often dominated by young people. Once young people get used to using credit cards to make purchases in advance, they will have a weak awareness of the concept of money, leading to the illusion that the money is just small amounts in their eyes. However, when the bill came out, it was the moment that the illusion was broken.

My opinion

As adults, we need to have a correct understanding of our own earning power, and ask ourselves whether we can afford it before spending. If the economy does not allow it, then don't spend at will. If you overdraw your credit card and are unable to repay it, it will be overdue. If it is overdue, your credit report will be reported, which has a great impact on us. So in short, don’t spend beyond the due date, what do you think?

What does blocking a credit card mean? How to seal it?

Credit card blocking means that the credit card is frozen and can no longer be used. It is blocked by the bank.

There are usually reasons why a credit card is blocked. One is that the credit card is risky, the other is that the credit card is considered cashed out by the bank, and the other is that the credit card is overdue.

There are risks. For example, if you often spend money in China, but suddenly a large overseas transaction occurs, the bank will think that there is a risk of being swiped. In order to reduce losses, it will block the card. Overdue card blocking may be due to non-payment for three consecutive months, being on the bank's blacklist, or the account being used for illegal activities such as fraud, terrorist financing, etc.

Extended information:

Notes:

1. After blocking the credit card, you must repay it in full at once.

2. If the credit card is frozen due to overdue credit card, the overdue amount should be repaid as soon as possible;

3. After paying off the credit card balance, the cardholder can call the bank’s credit card customer service Center, explain the situation, and usually the bank will unfreeze it.

4. From now on, cardholders must repay every installment on time to avoid overdue payments.

5. If the bank thinks that the credit card has been erroneously blocked due to cashing out, you can go to the bank branch to submit your supporting materials, such as credit card payment notes. The blocking can usually be unblocked after presenting the supporting materials.