in addition, if the cardholder's credit card has not produced a transaction for more than half a year, it may be temporarily suspended. The bank will control the credit card transaction and cannot swipe the card. It is necessary to call the customer service to resume using the card.
if the cardholder's credit card is overdue for a long time, it will be stopped, but it may not be restored after paying off the debt; And illegal use of cards will do the same.
In a word, it is relatively simple to stop the card if the credit card information is incomplete. Just upload your ID card again. However, if the cardholder's bad card use behavior leads to the suspension, there may be no way to recover, so it is necessary to develop good card use behavior.
Main features of credit card:
1. Credit card is one of the fastest-growing financial services, which can replace traditional cash circulation in a certain range;
2. Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;
3. Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.
Main types
According to different card issuers, it can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.
non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.
according to different card issuers, it can be divided into corporate cards and personal cards
corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.
personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.
gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.