What to do to recover after deactivation of CCB credit card
What to do to recover after deactivation of CCB credit card
The freeze caused by overdue cannot be unfrozen. Log out, because you have been listed as a banned customer by the bank. The bad records from the Credit Reference Center of the People's Bank of China will be deleted after 5 years. During this period, it will be difficult for you to apply for credit cards and bank loans.
There are many reasons why a credit card is deactivated, such as computer failure, expiry date, and of course, more often than not due to non-payment of debt. If the debt is not repaid for half a year or even longer, no matter how much it is, it will be suspended. use. Overdue repayments for many consecutive months, malicious overdrafts, malicious cash outs, poor usage records, etc. will all result in suspension.
It is recommended to call the bank and ask in detail the real reason why the credit card was suspended. At the same time, he will also tell you how to restore it and how long it will take to resume use, because the suspension time is different in each case. If it is serious, It cannot be restored to use within 7 years.
How to restore the CCB credit card after it is suspended
What is the reason for the suspension? If the payment is late for a long time and the card is frozen, it is recommended that after paying off the payment, call the customer service of the other party and the customer service specialist will check whether it can be restored. If you have taken the initiative to cancel the card before, then after cancellation, the card cannot be restored and you can apply for other types of credit cards.
It depends on the reason why the credit card is frozen. If the card is overdue for a long time, it will affect its use. The bank will regularly report the cardholder's card usage to the People's Bank of China. You need to look at the overdue time at that time, and also look at the The amount of debt owed at that time will be used to determine whether the freeze can be lifted.
The China Construction Bank credit card has been suspended due to overdue, can it be reinstated?
You must pay it back. The credit record is a cycle of five years. If you have other credit cards, you must ensure that you have another credit card. If you use a card normally and repay it on time, your credit record will be restored after this cycle is repeated, but the card cannot be used and you can reapply later.
My China Construction Bank credit card has been deactivated. How can I restore it?
You must first solve the specific problems caused by the freeze before you can apply for the bank to unfreeze it.
The main reasons and solutions for credit card freezes:
If you enter the wrong card information such as password, validity period, CVV code, etc., go to any branch with your valid ID. You can consult the corresponding person before going. Bank customer service personnel;
Cards are subject to temporary control, please consult the corresponding bank customer service;
Credit card debts are overdue or card usage is irregular. The specific situation will be analyzed in detail. If all the account debts are paid off Afterwards, you can call the customer service hotline to try to lift the freeze. This is determined by the degree of overdue credit card and the degree of abnormal transactions. A specialized approval department will make a comprehensive assessment based on the individual's situation.
How to restore the suspended use of a CCB credit card
Call the credit card customer service and find a customer service desk to find out the reason for the suspended use. After negotiation, if there are no problems, just ask him to help restore it. During this period, the artificial intelligence may ask some relevant questions, please be patient and answer them.
Deactivation of China Construction Bank Credit Card
Call the credit card customer service center and tell her that you want to cancel your account. Then she will check your account usage. If you are in arrears, you cannot cancel it and you have to wait. The account can be closed only after the debt is paid off. If there is no arrears, we will cancel it for you at that time.
The CCB credit card is deactivated
If the credit card is deactivated due to overdue repayment, and you apply to the bank for unfreezing after full repayment, but the unfreezing is unsuccessful, you will not be able to apply for a credit card for at least 5 years.
Hope it can be helpful to you.
What should I do if my CCB credit card is overdue and about to be deactivated?
What else can you do? The initiative is not with you. Even if you pay it off in full, the bank will not let you use it because you My credit is very bad.
My CCB credit card has been suspended, what’s going on?
With the continuous development of social economy, more and more people are applying for and using credit cards. The more people use it, the more problems will arise.
A friend asked me, my CCB credit card has been stopped if it is not overdue. What is going on? In fact, there is more than one reason for credit card suspension, let’s find out together!
My CCB credit card has been suspended, what’s going on?
1. Transaction Abnormality
When a cardholder uses a credit card, multiple and large transaction bills suddenly appear, which is considered a transaction abnormality. On the one hand, in order to ensure the security of cardholders' credit cards, and on the other hand, in order to ensure the security of their own funds, banks will conduct risk control and choose to suspend the card.
If the cardholder spends too much money at some merchants that are restricted by the bank, the bank will also suspect that the cardholder is withdrawing cash. In order to ensure the safety of funds, the bank will directly process the cardholder's credit card. Card suspension processing. In fact, most of these restricted merchants have been blocked by banks. If cardholders make large purchases, they must remember to keep the receipts.
2. Other reasons
Although a bank is a financial institution and most operations are performed using big data and systems, banks can also make mistakes. Some cardholders' credit cards may have been suspended due to bank system failures, expiration of the credit card's expiration date, or other reasons.
Cardholders can call for consultation after their card is suspended. After understanding the detailed reasons, they can explain it to the bank and ask the bank to re-freeze the credit card.
The above is the sharing of relevant content about "the CCB credit card that has not expired has been stopped". I hope it can help everyone!
My China Construction Bank credit card is deactivated but I have an available limit. Can I still use it?
My China Construction Bank credit card is deactivated but I have an available limit. Can I still use it?
If the bank actively deactivates your credit card, it will definitely not be able to be used anymore, even if there is still available credit, because after the card is deactivated, the card is no longer available normally and can only be repaid. . If you encounter such a situation, it is recommended that you pay off all outstanding debts first, and then call customer service to ask if it can still be activated.
If you take the initiative to apply for card suspension (that is, cancellation), the bank will ask you to settle all the outstanding balances on the card before you can apply for card suspension. Subsequent cards cannot be used again, and the card must be cut short and destroyed to avoid accidental loss and risk.
The available credit limit of China Construction Bank is a negative number
The available limit is a negative number, which means you have exceeded your credit limit and are overdrafted!
A negative balance means you have no debt and have made overpayments.
Can China Construction Bank credit card be used after its limit is used up? How to use it
If the card status is normal and has not been overdue recently, you can apply to increase the temporary or fixed limit of the credit card and continue to use it.
Otherwise, after repayment, the credit limit will be restored before you can continue to use it.
How to check the available limit of CCB credit card
There are several ways to check the available limit of CCB credit card
First, you can use the mobile phone reserved with CCB Number, edit the text message: "The last four digits of 313#" to 95533, and they will reply to you with the available limit of the credit card and the available cash withdrawal limit by the time the text message is sent
Second, you can go through his credit card website , Home page "Bill Points Query"
Third, WeChat query: China Construction Bank, add and bind a credit card and query
Fourth, Mobile Banking,
Fifth, online banking, select "Credit Card" and click Limit Management
The credit card limit of China Construction Bank is 5,000 and the available limit is 4,902?
This means that your credit card has been used for 98 yuan. If this is a new card that has not been used, there may be more than one credit card in your name, because the credit limit is exclusive, and no matter which card is used, the available limits of other cards will also be reduced.
The CCB credit card withdrawal limit and available limit are negative values
Withdrawal limit: refers to the amount you have not used for cash withdrawals.
Available limit: The available limit refers to the credit limit of your credit card that has not been used. The calculation method is: credit limit - unpaid accounted amount - accumulated amount that has been used but not accounted = available limit.
Balance: In the credit card query, if there is a "-" sign in the balance, it means that your current balance has a balance; if there is no "-" sign in the balance, it means that your current balance is overdrafted.
Can I use 10,000 of my China Construction Bank credit card limit of 9,000?
Generally not possible
I hope it can help you. If your problem is solved, please Click to accept, thank you
Excuse me: The available balance of my China Construction Bank credit card is 3043
The balance with a '-' symbol indicates the cash deposit in your card.
In other words, you have 2,043 yuan in cash
But since the available balance is not your maximum limit. Prove that your previous card consumption collection unit has not been withdrawn. Maybe it will be transferred out in a few days or at the end of the month.
Haha, I just learned this by calling 95533 when I was troubled two days ago. It is said that their online system is now several days behind the actual account operation. That is, updates are slow.
I just paid off 4,000 on my China Construction Bank credit card, but the available limit is only over 600.
I don’t know how you repaid the loan? If you repay through CCB channels, it will usually arrive on the same day. If it is an inter-bank transfer or third-party repayment, it will take about 2 working days to arrive. The available limit of the credit card will not be restored until the repayment is received. In addition, the cash withdrawal limit will not be restored until the next day after the repayment is received
How can I withdraw money if my China Construction Bank credit card limit is insufficient? Us
The CCB credit card fixed limit is no longer allowed to be actively applied for. It is automatically adjusted from time to time by the system to select customers who have used the card. At the same time, if the poster has a temporary need, you can try to apply for a temporary limit. < /p>
There are several specific methods for applying for a temporary quota. The host can choose an operation that suits him or her.
First, self-service voice over the phone
Second, online banking - credit card - credit card limit adjustment
Third, text message limit adjustment, the poster uses Edit the text message "The last four digits of CCTE # need to be adjusted to the amount" for the mobile phone number reserved in his system to 95533. (Example: For example, if the poster currently has a fixed limit of 10,000 yuan and wants to adjust it to a temporary limit of 15,000 yuan, and the card's last number is 8888, then edit the text message "CCTE#8888#15000",) Apply through text messages, and the default time for the temporary limit is 2 months .
If the poster has any other questions, you can ask.
My CCB credit card has been deactivated due to overdue reasons! It’s all paid off now! Can I use it again? Can credit be restored?
The CCB credit card has been deactivated due to overdue use. It can be resumed after it has been paid off in full. You pay off all the overdue money and then submit an application to CCB.
Credit can be restored. The credit report has been restored after more than five years.
Extended information:
How long does an overdue credit card affect its use?
If your credit card is overdue for more than 30 days, our bank system will automatically adjust the credit limit of your card. Control, you can only use 50% of the credit limit temporarily; if it exceeds 60 days, you will be temporarily unable to use the card; if it exceeds 90 days, the card will be forcibly suspended and all accounts under your name will be frozen.
If the payment is late within 90 days, as long as the minimum repayment amount is paid, the system will automatically restore your use of the entire credit limit. If the payment is more than 90 days late, you need to pay off all the overdue amounts in your account before making an application. Our bank will handle it based on your actual situation.
In order to avoid overdue effects on your card use and credit history, it is recommended that you pay attention to credit card account changes in a timely manner and repay on time.
Using "China Construction Bank" mobile banking, you can quickly check accounts, make one-click repayments, and enjoy free account change notifications.
According to the "Credit Reporting Industry Management Regulations": the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted.