1. There is an obvious "cash-out" behavior. Many people will "cash-out" more or less when using credit cards, such as swiping the entire amount, often making large purchases, etc. If the bank discovers similar "cash-out" behavior, the bank will implement a reduction or, in severe cases, the card will be blocked. Therefore, in order to avoid card blocking, try not to make large or full purchases.

2. For users with relatively low repayment ability, the bank can guess the user's repayment ability. If the credit card holder often only pays the minimum repayment, or often applies for installments, If the repayment is repaid, the bank will judge that the repayment ability is relatively low. Once such a user makes a large purchase, the bank will be worried about the risk, so it will reduce the cardholder's limit.

3. If you are often overdue when using a credit card, if there are multiple overdue situations, the bank will also reduce the limit and block the card. Therefore, as netizens say, you must pay back the full amount. After making a payment, the credit card is blocked and the limit is reduced. It is not difficult to find that only users with good credit and will not be overdue can continue to increase the limit. Finally, credit cards are not used often but used occasionally. After many people apply for a credit card, the reason why banks issue credit cards is mainly because they hope that users can use it frequently, because only after users use it can the bank earn a certain amount of income. However, if the credit card is rarely used after the user has applied for it, the bank will It will be judged that the user may not need a credit card. In this case, the bank will block the card holder and reduce the limit.

There are generally two situations when a card is frozen due to overdue payment:

1. After the repayment is received, the card limit is restored immediately;

2. After the repayment The card still cannot be restored to use. You can just cut the card and dispose of it properly. There is no need to cancel it, and it cannot be canceled.

: According to legal provisions, only law enforcement agencies such as the People's Court, People's Procuratorate, and Public Security Bureau can request banks to freeze accounts. The maximum freezing period is 6 months, and the freezing period will be automatically revoked after expiration. There is no unfreezing period at all. As soon as the freezing period required by the law enforcement agency expires or the bank receives the unfreezing notice, the bank will unfreeze immediately and it does not take any time. The only reason why a bank freezes funds is that it has received legal documents from law enforcement agencies such as courts and procuratorates. The bank has no right to freeze the customer's account on its own. The second method is that the law enforcement agency that originally requested the freeze will submit the "Unfreezing Notice" stamped with the official seal of the law enforcement agency at or above the county level and signed by the person in charge, and the bank will immediately unfreeze it after receiving it.