According to the query of relevant information, there are usually three situations when an ICBC credit card is locked:

1. The password is entered incorrectly. Once the password is entered incorrectly more than three times, the credit card will be locked.

2. If the credit card is overdue and has not been repaid for 2-3 months, the bank will also lock the credit card.

3. Cash-out behavior. The bank's risk control system monitors the cardholder's cash-out behavior and will lock the bank card used for cash-out. The ICBC credit card is locked and the cardholder needs to bring their ID card and bank card to the counter for processing.