1. One is that the bank thinks that the credit card transaction is abnormal and may be attacked by hackers or other lawless elements, so for the safety of the cardholder, the bank will freeze the credit card, which will lead to the suspension of the credit card.
2. Another reason is that the cardholder fails to repay the loan on time for more than three consecutive months, and the issuing bank has the right to unilaterally stop using the credit card. In this case, even if the credit card is disabled, the cardholder's bill still exists, and the late payment fee and interest will continue to increase. If the amount meets the requirements of the bank, the bank can sue the cardholder, and the cardholder with a larger amount will be punished.
3. If the credit card is stopped for the first reason, the handling method is as follows: the cardholder can call the card issuing bank and ask the bank to reissue the credit card, open the card directly after getting a new card, and cut off the original credit card at the same time.
4. If the credit card is suspended for the second reason, the treatment method is as follows: after the credit card is suspended, the cardholder had better repay in full, and at the same time, in order to avoid blacklisting the credit record, it is best to reactivate the credit card and repay it for 24 consecutive periods on schedule to offset the original bad credit record.