Can't my credit card be used? What caused the freeze?

In the forum, I found that there are card friends who can not use their credit card, the amount? ? ? what's the situation? It turns out that the credit card has been frozen. In fact, there are four situations that will cause your credit card to be frozen. Therefore, you must pay attention to the usual use of the card. Once the credit card is frozen by the bank, it will affect the normal consumption. Of course, understanding the four main reasons for the credit card being frozen, it is not difficult to unfreeze the credit card.

1. Credit card is illegally cashed

Some cardholders are brainstorming when they don't have a cash flow, using a credit card to cash out. In fact, this is also a minefield that banks are very concerned about. The so-called credit card illegal cash withdrawal means that the cardholder does not withdraw cash from the credit card through the normal way, but uses a fake transaction to swipe the credit card on the offending POS machine, and takes out the overdraft limit in the credit card as cash.

Due to the high risk of illegal cash card cashing, it is easy for the bank to make bad debts. The CBRC has issued regulations as early as the year. The bank has the right to reduce the credit line, stop payment, and enter relevant information into the credit information system. Measures such as sharing a fraudulent information base with banks.

If the cardholder frequently uses the pos machine for large consumption, or frequent large cash withdrawals, it is easy for the bank to doubt. At this time, in order to avoid risks, the bank will freeze your credit card if you suspect that you are cashing.

At this time, I want to unfreeze my credit card. What should I do? You can provide the bank with the recent credit card vouchers and consumer invoices to prove that they have not cashed in and ask the bank to unfreeze.
2, repeated overdue payments
On-time repayment is the most basic requirement of the bank for cardholders. For cardholders who have overdue repayment, the bank will charge interest and late fees. When the cardholder has repeatedly overdue or the overdue amount reaches a certain amount, the bank will consider that the cardholder has malicious overdraft consumption behavior and continue to provide revolving credit for it. The risk is high and the credit card will be unilaterally terminated. That is to say, the cardholder will find that his credit card is frozen and cannot be consumed.
Solve the card is that you immediately repay the full amount, call the bank customer service, ask for thawing, if the overdue time is not long, the number of overdue is not much, the bank will usually help you thaw.
3, the risk of credit card
The bank will have a special system to manage the credit card issued. When the bank thinks that a credit card has been swiped on a risky POS machine or the system prompts a credit card to be hacked, the bank will do the credit card for security reasons. Freeze the process to prevent theft.
In order to prevent the risk from happening, at this time, the cardholder is best to ask the bank to replace the new card.
4, two clear POS machine set code
There are a large number of Erqing POS machines on the market, which is very prone to the phenomenon of swiping card consumption. For example, if you live in Shanghai, you will spend a 100 yuan transaction in a certain store, and the other party will use the second clear POS machine to settle the bill. Then it is likely that the swipe card ticket will show that the card merchant is in another city; or you are obviously in the restaurant. Eat, but the small ticket that is printed shows that your transaction type is real estate, and so on. Such situations are easily blocked by bank monitoring.
The solution is to bring the purchase order directly to the UnionPay complaint and explain the situation to the bank to restore the normal use of the credit card.

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