CITIC credit card is frozen for 3 years and can only be repaid

1. First, cancel the card and reapply: After paying off the credit card debt, you can cancel the card and reapply.

2. Secondly, apply to the bank for restoration: If the credit card has been used normally, then the deactivation may be due to the risk control system monitoring being too strict. At this time, you can submit an application for restoration of the card to CITIC Bank.

3. Finally, apply for installment business: Applying for installment business from China CITIC Bank has a certain chance of restoring the card, but even if the card can be used normally, the limit will be reduced a lot.

What to do if the credit card is overdue and deactivated

1. The deactivated credit card is seriously overdue: In this case, if you want the bank to re-open the credit card, you must pay off the debt all at once. , don’t think about negotiating repayment with the bank, nine times out of ten it won’t work. After all, the purpose of the bank is just to get you to repay the loan. After you pay off the debt, you can call the card issuer and ask the bank to re-open the credit card. The bank will check your repayment status after verifying your identity information. If it can be reopened, it will be opened for you. If not, you can only apply for another credit card.

2. Suspended for cashing out: Cashing out of a credit card is expressly prohibited by the bank and is also an illegal act. If the card is suspended due to cashing out, it is generally difficult to reopen it. However, you can also try to apply, maybe you will be pleasantly surprised. Of course, the premise is that you have to provide proof that you are not cashing out, such as receipts, product invoices, etc. If you cannot provide them, there is almost no hope.

How long does it take for an overdue credit card to be deactivated:

In fact, deactivation of an overdue credit card can be said to be a situation where the credit card is frozen. Generally, the cardholder has not paid back the bill for more than 3 days. If the payment is made, the bank will deactivate the credit card. After a credit card is deactivated overdue, all its bills will still exist. If things go on like this, the overdue interest and late payment fees on the credit card will increase more and more, and will affect the cardholder's credit report.

After the credit card resumes normal use, do not cancel it, but insist on using it for at least two years;

At the same time, you must repay the credit card in full and on time, so that You can quickly overwrite past bad records with new card usage records;

If you choose to cancel, you can only wait until five years before the bad records are automatically eliminated;

Continue In the process of using this credit card, the cardholder cannot make new overdue payments. Continuous overdue records will have a more serious impact on his or her personal credit.

In order to avoid credit card overdue, cardholders can try the following methods:

1. Activate the credit card repayment reminder service. Many cardholders make overdue payments because they forget to repay. Cardholders can activate the credit card's repayment reminder service so that they can repay on time.

2. Activate the automatic repayment function of your credit card. After the automatic repayment function is activated, as long as the cardholder has sufficient funds in the savings card, the bank will automatically help the cardholder complete the credit card repayment on the automatic repayment date.

CITIC Bank’s credit card is not overdue. Can it be reinstated after it has been deactivated?

Credit cards have a final repayment date. If you pay after the repayment date, all credit will be considered overdue. , all of them will be reported to the credit bureau, which will have the following impacts on individuals.

No longer enjoy interest-free repayment.

2. Affect personal credit record.

3. Severe overdraft or huge amount will constitute a crime due to "malicious overdraft".

4. If you are overdue for more than three months or fail to repay more than two bank reminders, the bank will freeze your card and list you as a prohibited customer (blacklist), and you will also be Credit card and malicious overdrafts are enforced. The personal impact of an occasional overdue credit card is not too serious, as long as you pay off the credit card in time, you can make up for it. If you are overdue no more than 4 times in a year, the impact on the individual will not be too great. If you are overdue for three consecutive months or even seven months, you will not be able to make any bank loans or credit loans in the past five years.

CreditCard is a non-cash transaction payment method. It is a small credit payment tool provided by banks to users for consumption first and repayment later. The earliest credit card appeared at the end of the 19th century.

Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify payment procedures and save social labor; promote product sales and social needs, etc. Features. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.

CITIC Credit Card recovery tips after card suspension

CITIC Credit Card recovery tips after card suspension should be judged based on the reasons for card suspension. If the bank determines that the credit card has transaction risks, it must be reported to the bank as required. Provide consumption invoices and the like; but if overdue repayment leads to card suspension, you must first pay off the outstanding balance and check the bank's review results to see if it can be restored.

You can call the service hotline of CITIC Credit Card and transfer to manual service to find out, or you can go to the branch counter to find out. The cardholder cannot see the reason for card suspension, but there are reasons for card suspension in the bank system.

Reasons for card suspension

1. Overdue repayment, you need to pay off the debt in time to avoid greater losses and affect your credit record.

2. If you are subject to risk control, such as illegal cashing out, you need to provide evidence that you have not cashed out, or admit your mistakes and ensure that you will not make them again.

3. If your credit card expires, bring your ID card to the counter to apply for a new card. You need to cancel and cut the old card.

4. Credit card transactions are abnormal and may be attacked by hackers or other elements. You need to wait for the case to be completed before recovery can occur.

A credit card is usually suspended due to overdue repayment. Generally, it will be suspended if it is three months overdue. In this case, you need to pay off the debt in time. After paying off, you can just apply for reinstatement. Can you? Restoration depends on the bank's approval. If it cannot be restored, you can apply for cancellation. After cancellation, just cut the card and handle it properly.

There are several reasons for the suspension of CITIC Bank’s credit cards. If you want to check which situation your card belongs to, you can call CITIC Bank’s customer service to find out your account information as soon as possible.

CITIC Bank Credit Card has always been aimed at serving the public and has applied credit card processing to better serve the public. Many people who have used credit cards know that credit cards are very convenient and can be used not only in domestic shopping malls and supermarkets. , and can even be used in some foreign consumption places. Credit cards greatly facilitate the general public and allow banks to gain more profits from them.

CITIC Bank credit card is one of them, but when using CITIC Bank credit card, you need to pay attention to several issues.

The first thing is to develop good consumption habits and avoid brushing off all the credit limit without restraint. The use of credit cards is because on some occasions, when the cash and bank cards on you cannot be used for normal payment, you can use the credit card. Be able to use credit cards. CITIC Bank credit cards have a certain limit. Generally, high-quality customers will have a higher limit.

Dear customers of CITIC Credit Card, due to the abnormal status of your card, our bank has stopped using your card. To ensure your good credit record, please contact us in

In this case, usually If your card is blocked/frozen, you have to pay off the balance in one lump sum. Otherwise, bad records will be generated, which will have a certain impact on your personal credit report.

How to cancel a CITIC credit card?

Method 1: Bring your ID card and the credit card that needs to be canceled to the counter of a CITIC Bank outlet;

Method 2: Call CITIC Bank customer service phone number can be deregistered through manual customer service. It is important to note that the outstanding balance needs to be paid off before canceling a credit card. In addition to credit card cancellation, CITIC Bank's telephone customer service can also perform operations such as bill balance inquiries, bank activity inquiries, bank card activation, credit card limit increase applications, and credit card loss reports.

CITIC Credit Card generally takes 10 working days for review after submitting the materials, but it generally takes 20 working days from submitting the materials to getting the credit card. If you apply online and get the credit card, it only takes about 15 working days. , this is because it takes time to declare after applying at an outlet, but the credit card limit applied online is generally lower.

The annual fee for the CITIC Credit Card ordinary card is RMB 100, and the supplementary card is RMB 50; the gold card is available in single currency and dual currency, and the annual fee for the dual-currency gold card is RMB 300, and the supplementary card is RMB 300. 150 RMB, the annual fee for the main single-currency gold card is RMB 200, and the annual fee for the supplementary card is RMB 100; the annual fee for the main elite card is RMB 480, and the annual fee for the supplementary card is RMB 240; the annual fee for the platinum card is RMB 2,000. The annual fee for the supplementary card is 1,000 yuan.

How to negotiate and communicate with the bank after the due date is overdue:

1. Tell the bank staff that the overdue payment is only recent and there is no fraud, and guarantee repayment.

2. Show that your overdue behavior is a personal act. If there is violent pressure during the collection process, you can collect evidence and file a complaint, or even yes.

3. If you have a strong willingness to repay the loan, and if it is really difficult, you can explain the actual situation to the bank and apply for installments. If successful, it can be divided into 60 installments.

That’s it for the introduction of what to do if your CITIC credit card is deactivated.