I got a message saying that my credit card was frozen. What happened?

It is possible that the credit card holder used it improperly! 1. Check the balance before making a large credit card purchase. The machine used is considered as an ATM. 3. Consumer businesses are fake businesses, and the industrial and commercial network does not exist. 4. Credit card merchants are public welfare or preferential merchants, not standard merchants. 5. Consumer merchants are cross-regional merchants! And several situations will lead to credit card degradation or card closure. Generally, occasional occurrence will only lead to the credit card limit not increasing, frequent occurrence will only lead to credit card degradation, and long-term occurrence will lead to card closure.

After receiving this short message, you should distinguish whether it is a message from the bank.

"Your credit card is overdue due to illegal operation, and our bank has temporarily frozen your credit card. If you need to resume normal use, please call 0086 ××××× ".

What is the key question of this message? That's the phone number to call you back. Because that number is not from the bank.

If there is your own name in the text message and the signature of the text message is "XXX bank", you will believe it. Contact the phone in the text message immediately. After the call is connected, the person who calls himself "customer service" will say that if there is overdue consumption, the credit will be blacklisted if it is not handled in time.

Customer service claims that "returning to normal" must "verify your" credit information ". You will be asked to send verification information later. At this time, you reported the payment verification code received by your mobile phone to the "customer service". You will find that shortly after reporting the verification code, your mobile phone will receive a short message of bank deduction.

If the repayment is overdue for a long time, the bank will freeze the credit card, which will affect personal credit for a long time. The bank will truthfully feedback the cardholder's card usage according to the requirements of the People's Bank of China. Moreover, during this period, there will be commissioners in the bank who will call for payment by SMS, telephone, door-to-door, etc., and there will be relevant agreements on the application form when handling the card. If the card is seriously overdue, the bank will reserve the right to pursue it according to legal procedures, and there will be a short message notice, so in your case, you should pay off the money as soon as possible.