If the credit card is locked, it means that the credit card cannot be used, and the individual cannot operate it at all. If the user frequently enters the wrong credit card password, fails to repay overdue payments, or has risky buying and selling transactions, etc., the bank card will be locked. When the card is locked, the user needs to proactively contact the card-issuing bank, which will help to unlock it as soon as possible.

What does it mean when a credit card is locked?

The reasons why a credit card is locked:

1. It is possible that you enter the wrong password more than 3 times when logging in to online banking. In order to protect the safety of users' property, banks will temporarily lock the cardholder's bank account.

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

3. The bank’s risk control system monitors the card user’s cash-out behavior and will also lock the cash-out credit card.

For overdue and locked bank credit cards, repayment is the most important thing. Whether it is the full amount, installment or minimum, pay off the outstanding amount first. When your credit card is locked, you can call the bank's credit card manual customer service number to apply for unlocking. If necessary, you need to change the password. Once the bank credit card is successfully unlocked, you can use it normally.