The bank has frozen your credit card, how can it be broken?

If one day, you suddenly find that the card can not handle any business, then at this time, your card may be frozen by the bank!

Reason for freezing

Why is there such a situation? In fact, the main problem is the following:

1. The overdue credit card is overdue (long time, large investment amount), and the payment is invalid.

2. Credit card lost or stolen credit card. In order to prevent further losses, cardholders will ask the issuing bank to freeze the credit card, which is temporarily frozen.

3. Suspected cashing, especially if the hand brush used, the merchant library and positioning mechanism of each third-party collection agency are different. If you don't figure it out, it is easy to have problems (such as the merchants who swipe the card in a short time. The plane can't fly.) Such an obvious set of current status is easily identified by the issuing bank.

Unpacking method

If the credit card is overdue, the overdue amount should be repaid as soon as possible. After paying off the debt, you can call the issuing bank's credit card center, and the general bank will unfreeze it. Don't overdue easily in the future, because overdue will be counted in credit, and if the number is too high, the loan will not be loaned. Because of your sloppy influence on the future, it is not worthwhile.

The card is frozen because the credit card is lost or stolen. After the relevant matters are processed, the issuing bank will unfreeze, or you can request to unfreeze (for example, if the card is lost, then you can find this situation and you can cancel it by phone).

The cash out situation is more troublesome. If the bank looks for the cardholder to cash out, the card can't be unblocked, but if there is evidence to prove that it is not cashing out, but the merchant's Pos machine has problems, the credit card center may also unblock. . At this time, the bank may ask the cardholder to provide a small ticket or recall the card. Therefore, it is best for the cardholder to record every "consumption" and keep a small ticket (or invoice) with a small ticket for bank inquiries. Cardholders may not have the habit of keeping small tickets, and they can do it directly with the customer service. It is best not to open a fake invoice.

Some banks now feel that the conflict caused by the card is too fierce, so they may also choose to reduce the credit card quota. In this case, if the customer service does not want to unblock, the best way is to do another one, or wait a while to find a way to raise the amount.

If you have to contact customer service because the card freezes, please pay attention to the feeling of your birth, and receive sales insurance during this time. You will find a small loan and talk to you frequently, saying that your information is from the bank. Going out, and then saying that the invitation has not agreed to the installment, this may also be a retaliatory seal, asking for a more senior customer service supervisor.

This may still not be able to thaw, a sister suggested: ready to change banks. .