A frozen credit card does not necessarily mean that the account is illegal.

A black account refers to a cardholder who submitted false information when applying for a credit card. During the use of the card, malicious overdrafts, overdue repayments, illegal cash out, etc. will be reported to the bank for credit reporting. These stains will be recorded in the credit reporting record. Retained for 5 years.

Credit card freezing may involve the following issues:

1. Overdue repayment. When a cardholder is overdue or the overdue amount reaches a certain amount, the bank will consider that the cardholder has malicious overdraft consumption behavior, and the risk of continuing to provide recurring credit to the cardholder is very high, and will unilaterally terminate the use of the credit card, that is, It is said that cardholders will find that their credit cards are frozen and unable to make purchases.

2. Suspected of cashing out. If you frequently use POS machines to make large purchases, or frequently withdraw large amounts of cash, especially using capped machines to cash out, UnionPay will cast doubt on your credit, and the bank will therefore lower your credit card limit. In serious cases, you will be directly fined. Block the card.

Extended information:

Article 4 of "Persons Defaulted to Enforcement" stipulates: The recorded and published information on the list of dishonest persons subject to enforcement shall include:

(1) ) The name, organizational code, legal representative or person in charge of the legal person or other organization as the person subject to execution;

(2) The name, gender, age, ID card of the natural person as the person subject to execution Number;

(3) Obligations determined by the effective legal documents and the performance of the person subject to execution;

(4) Specific circumstances of the person subject to execution’s breach of trust;

< p>(5) The production unit and document number of the execution basis, the execution case number, the time of filing the case, and the execution court;

(6) The people's court deems that it should be recorded and published and does not involve state secrets, commercial secrets, or individuals. Other Matters of Privacy.

Baidu Encyclopedia - Person subject to execution for breach of trust