Details are as follows:
1. Bank card overdue refers to the situation that the bank card holder fails to repay the arrears in time according to the repayment requirements on the credit card bill or debit card bill.
2. Banks usually take measures to seal the card within one month after it is overdue, so as to protect the interests of banks and control risks.
3. The bank can block the bank card by suspending the use of the card and prohibiting the cardholder from conducting any transaction, including withdrawal and consumption.
4. The card sealing period of bank cards can be different according to the specific circumstances, but generally it will not exceed 3 months. Banks usually lift the blockade after the end of the blockade period, but the specific lifting time should be confirmed with the bank.
The bank sealed the card to remind the cardholder to repay as soon as possible, so as to prevent the cardholder from further delaying and causing greater risks.
Summary:
Under normal circumstances, bank cards overdue for more than one month will face the risk of being blocked. In order to protect their rights and control risks, banks take measures such as blocking cards, suspending the use of cards and prohibiting cardholders from conducting any transactions. The blockade period generally does not exceed 3 months, during which the cardholder should repay the arrears as soon as possible to lift the blockade.
Extended data:
Overdue bank card means that the cardholder fails to repay the credit card or debit card within the specified repayment time. Overdue repayment will affect personal credit records, lead to a decline in credit scores, and affect the acquisition of financial services such as loans and credit card applications in the future. Therefore, the cardholder should repay the loan in time in strict accordance with the requirements of the bank to avoid overdue.
Bank card blockade is a risk control measure taken by banks to protect the rights and interests of both parties to the transaction, aiming at reminding cardholders to fulfill their repayment obligations and preventing further risks caused by continuous delay. During the period when the bank card is blocked, the cardholder often can't make transactions with the card, so he needs to contact the bank in time to verify the arrears and repay according to the requirements of the bank to lift the blockade.
The above answer is based on the general situation. The specific bank card ban policy may be different due to factors such as banks, regions and personal credit records. In order to avoid the risk of bank card being stuck, it is suggested that cardholders develop good repayment habits to ensure timely repayment of arrears. In case of temporary difficulties, you should communicate with the bank as soon as possible to find a suitable solution.