Credit cards are generally frozen because the arrears are overdue for a long time or too many times. You should take the initiative to pay off your debts to the bank as soon as possible. After paying off the debt, take the initiative to call the bank credit card service center, explain your situation to the customer service staff, and then apply for thawing. You can continue to use your credit card after the bank unfreezes it.
Extended data:
However, your credit value may decrease. After all, it is overdue, and it is a very serious situation. This will reduce your loan amount, but as long as you keep a good habit of borrowing and repaying in the future, your credit value will gradually increase, and then the loan amount will also increase.
Then, in the process of using the unfrozen credit card, you must spend rationally, ensure that the borrowed money can be paid off within the next month, and try to avoid overdue, because the frozen credit card shows that your credit value in the bank is already at a very low level. If overdue occurs again, it may be an irreversible process for your credit card to be frozen again.
Credit cards may also be frozen for two other reasons.
Overdue repayment is frozen.
Generally, the bank will freeze your credit card only if it is overdue for many times or a single overdue time is too long. At this time, you need to repay in full and on time. After paying off the arrears, call the bank customer service and ask for unfreezing the bank card. Generally, banks will unfreeze, but it may have a certain impact on the loan amount.
If you have used the POSS machine to spend a lot of money, and the number of times is very large, or you frequently use the credit card to withdraw cash, UnionPay will think that you are suspected of cashing out, and inform the bank where your credit card is located, and the bank will freeze your credit card. This situation is more troublesome than the last one, because cashing out is illegal. You can provide the bank with your credit card consumption records in the past year. If your credit is good, the bank will unfreeze your credit card.
Therefore, in the process of using credit cards, we should try our best to abide by the rules of using credit cards in order to give full play to the greatest role of credit cards. In addition, we should also pay attention to avoid the overdue situation after the credit card is thawed, so as to avoid the credit card being frozen again. If there are too many overdue times or a single overdue time is too long, not only will the credit card be frozen, but it may also be blacklisted by the bank, which will seriously affect your application for loans from the bank in the future. It will have a serious impact on your personal credit, so use credit cards correctly.