The frozen credit card (debit card) will not be unfrozen after it has been paid off
The frozen credit card (debit card) has been paid off, but the bank will not unfreeze it. Users can try Apply several times. During this period, you will conduct business transactions with the bank and improve the bank's evaluation of users. Then apply to unfreeze the credit card (debit card). If the bank still refuses, it means that the user's card cannot be unfrozen. The only option is to cancel the card and apply for a new one.
The limit of a newly applied credit card (credit card) is related to the user’s current credit qualifications and will not be affected by the previous card, so it is possible to apply for a large credit card (credit card). of.
How to unfreeze a frozen credit card
A cardholder’s credit card was frozen yesterday. He was very worried about whether it would affect his credit report. He didn’t know how to “unfreeze” it? Whether a credit card can be unfrozen mainly depends on the reason why it was frozen. For example, improper card swiping behavior and credit card abnormalities will cause the credit card to be frozen.
1. Overdue credit card
If the credit card is maliciously overdrafted and overdue for more than 3 months, and if there is no repayment after collection, the bank may freeze the credit card and report it to the tax collector. letter.
Even if the credit card is not overdue, the bank's other overdue loans will cause the credit card to be frozen. This is also a measure taken by the bank to prevent further losses.
2. Irregular card use
Irregular card use or violation of the bank's credit card usage regulations will also cause the credit card to be frozen, such as using low or even zero rates for a long time. Merchants with high rates, or frequent card use that violates the bank's risk control. After the bank has warned many times that it cannot produce proof of consumption, it will freeze it.
3. Lost or stolen cards
In addition to overdue and irregular card use, cardholders can also actively request to freeze their credit cards. For example, after the card is lost or stolen, You can call the bank's customer service number to request a temporary freeze on your credit card to reduce your losses.
When there are risky transactions, such as swiping large sums of money in a short period of time or swiping cards in two far apart places at the same time, after being controlled by the bank, your card will automatically be considered If your card has been swiped, your credit card will be temporarily frozen to ensure the safety of your card.
4. Enter the wrong password
The credit card has 5 opportunities to enter the password a day. If you enter the wrong password 5 times, the credit card will be temporarily frozen.
So, how to "unfreeze" a frozen credit card? If the freeze is caused by the latter two reasons, you can directly call customer service to explain the reason and apply for the credit card to be unfrozen. Or just take your ID card to the bank counter to unblock it. In cases of fraudulent use or incorrect password entry, the account will be unfrozen immediately after explaining the situation.
If it is caused by irregular use of the card, then submit proof of card use to customer service, such as consumption vouchers and formal receipts, to prove that there are no problems with using the card, or to ensure that the card is used in a standardized manner in the future. There is a high probability that it will be unblocked.
If it is frozen because it is overdue, you must pay off the debt as soon as possible. Otherwise, not only will it not be unfrozen, but it will also leave a serious record on your credit report. Because it is overdue for more than six months, it will be completely unfrozen. Hopeless.
The fastest way to unfreeze a credit card
The method to unfreeze a credit card after it is frozen is as follows: 1. First check your credit card statement to see how much is the unpaid amount, and then repay it in time ;
2. After repayment, call the bank's credit card customer service hotline to apply for unfreezing or go to the counter of the bank branch where the credit card belongs to apply for unfreezing.
In addition, whether the credit card can be successfully unfrozen is also related to the reason for the freeze:
1. The credit card is frozen due to overdue bills. In this case, as long as the payment is made in time, it can be easily unfrozen. ;
2. The use of credit cards for cash out has been frozen. In this case, it is generally difficult to unfreeze.
There are many reasons why banks freeze credit cards. Different reasons cause credit card freezes, and the unblocking may be different. Generally speaking, the main reasons why credit cards are frozen are as follows:
1. Overdue credit cards are serious.
If your credit card overdraft limit is relatively large, and it is overdue for more than three months, and you have not repaid it after more than three collections from the bank, the bank will basically freeze your credit card to prevent further losses. .
2. Credit card cash out
Although banks currently turn a blind eye to credit card cash out, if you cash out too much, the bank may also freeze your credit card. For example, if you swipe your card at low-fee POS machines for a long time, the bank may block your card because it is unprofitable.
3. There is a risk of credit card fraud.
For example, if your credit card is stolen by someone else and you swipe the card crazily in a short period of time (it may also be done by you yourself), after this behavior is detected by the system, the system may also temporarily suspend the credit card. freeze.
4. The password is frozen due to multiple incorrect passwords.
The credit card has 5 opportunities to enter the password a day. If you enter the wrong password 5 times, the credit card will be temporarily frozen.
Whether a credit card can be unblocked under different circumstances, and how to unblock it.
Above we have listed 4 situations in which a credit card may be frozen. Among these 4 situations, the probability of being unblocked is different in different situations.
First of all, the first type is overdue and frozen
In this case, if the overdue amount is not very large and the overdue time is within six months, you still have a certain chance to apply for unblocking. , but the premise is that you must pay off all your credit card bills at once, and then call the bank customer service to ask for unblocking.
If your overdue amount is relatively large and the overdue time is relatively long, such as more than six months (your credit report becomes black), then you should not take any chances to unblock it. Basically, It is impossible to successfully unblock it.
What should I do if my frozen credit card is not released after being paid off? Here are a few solutions
Many cardholders have their credit cards frozen due to various reasons, but they still have unpaid debts. They think that the bank will unfreeze their credit after settling the debts. So if a frozen credit card is paid off, it will definitely be unfrozen? What if it is not thawed? Let’s take a look below.
Can the credit card freeze be unfrozen after it has been paid off?
If a frozen credit card is fully paid off, it may not be able to be unfrozen. It mainly depends on whether the bank is willing to unfreeze it for you. The bank will generally consider whether to unfreeze it for you based on the reason for the freeze. For example, whether it is frozen overdue or frozen for cashing out, the results will be different whether it is unfrozen or not.
1. Overdue amount is frozen:
The overdue amount is not large and the time does not exceed half a year. After repayment, it is best to call the bank as soon as possible to ask for unfreezing. In this case, it will be unfrozen. The possibility is relatively high; if the overdue amount is relatively large, the overdue time is more than 6 months, and it is on the bank's blacklist, there is basically no hope of unfreezing it even if it is paid off.
2. The cash out is frozen:
If the cash out is not serious and the credit card is paid off, there is still a chance to apply to the bank for unfreezing. If the bank agrees, it can be unfrozen in about a week. . But if the cash out is too serious and causes relatively large losses to the bank, the bank may directly refuse it.
What should I do if my frozen credit card is not released after being paid off?
1. Phone bombing:
If you call the bank to apply for unfreezing and the bank does not agree, don’t give up. Call the bank’s customer service every day and express that you will follow the instructions. Make sure you use the card, repay it on time, and ensure that you generate income for the bank. Maybe the bank will be impressed by you and eventually agree to unfreeze it.
2. Apply for a new credit card:
Since the bank is determined not to unfreeze it, it can only give up this credit card. You can apply for another card, but Because there is a frozen record, the card approval may not go so smoothly. The best way is to apply from another bank.
How to unfreeze a frozen credit card
The method to unfreeze a credit card is as follows:
1. If the cardholder is frozen due to overdue payment, the cardholder must Pay off the outstanding balance in a timely manner and apply to the card-issuing bank to unfreeze your credit card. The card-issuing bank will handle the unfreezing procedure as appropriate.
2. If the credit card is frozen due to abnormality, the cardholder can go to a bank branch for identity authentication or change to a new credit card.
3. If the card is frozen due to suspicion of cashing out, the cardholder can provide recent credit card consumption vouchers and apply to lift the freeze.
4. If the property is frozen, you can only apply to the bank for unfreezing after the lawsuit is over.
Extended information:
Why credit cards are frozen
1. Repeated or malicious late repayments on credit cards
The bank will Overdue repayments on credit cards will charge interest and liquidated damages. Serious overdue repayments will cause the credit card to be frozen, and the bank will report it to the central bank's credit reporting system. Some credit card users fail to repay in time after swiping the card for consumption, are overdue for a long time or have a large overdraft amount. If the bank's reminder fails, the credit card will be frozen.
It is worth noting that some types of bank loans will freeze your credit card due to multiple overdues.
2. Wrong credit card use posture
After the bank issues a card to you, it does not mean that you can let yourself go. The bank will supervise the use and transactions of the credit card. If you If illegal operations are detected, banks can easily detect them. Once the bank finds out that it is true, the credit card will be reduced or frozen.
3. Lost credit card or other abnormalities
Some users have lost their credit cards. In order to prevent property losses caused by theft, they will ask the bank to temporarily freeze their credit cards.
If there are risk control transactions in the user's credit card, such as: multiple consecutive large-amount transaction records, foreign website or offline consumption transactions, simultaneous card swiping transactions in two places, etc., the bank will feel Your credit card is used abnormally. In order to protect the safety of the user's credit card funds, the bank will actively freeze the credit card.
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