The locked limit of ICBC mortgage credit card will not return to 0. The main reason why a simple credit card is locked is that when using a credit card for consumption, entering the incorrect password three times in a row will cause the credit card to be locked. Different banks have different solutions when their credit cards are locked. However, if an ICBC credit card is locked, the process is relatively troublesome. The cardholder needs to bring their credit card and ID card to the local ICBC branch to apply for unlocking. If the credit card limit is reduced to 0, it is no longer a matter of being locked, but that the card has been blocked. The main reasons why our ICBC credit cards are blocked are none other than the following: late repayments, cash outs, and risky transactions will all result in card blocking.