Bank of Hebei SMS restricts transactions.

Under normal circumstances, banks freeze cardholders' credit cards for the following reasons: serious overdue credit cards, cashing out credit cards, stealing credit cards, etc.

The credit card is frozen due to serious overdue, and the cardholder is frozen by the issuing bank due to long-term failure to repay on time or large overdraft amount;

It is illegal for credit cards to be frozen due to cashing out. After the credit card is issued, the bank will supervise and record the credit card transactions, and the obvious credit card cashing behavior is easily recognized by the issuing bank. Once the issuing bank finds that there is a credit card cashing behavior, the bank will freeze the credit card. If the circumstances are serious, the cardholder shall be investigated for criminal responsibility;

Credit card theft caused the credit card to freeze. In order to prevent the loss of credit card theft from further expanding, the general cardholder will ask the issuing bank to freeze the credit card, and in some cases, the issuing bank will take the initiative to freeze the credit card for the cardholder.

Credit card unfreeze:

If the credit card is frozen due to overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the credit card customer service center of the issuing bank to explain the situation. Under normal circumstances, the bank will thaw. After that, the cardholder must repay each loan on time to avoid overdue, because overdue credit cards will be included in the personal credit information system, and too many overdue times will affect future loan applications;

Credit card freezing caused by credit card cashing depends on the situation. If it is not subjective cashing, but the bank mistakenly believes that the cashing cardholder can call the credit card customer service center of the issuing bank to explain the situation and apply for credit card unfreezing;

The credit card was frozen because it was stolen. Generally, after the stolen credit card is processed, the issuing bank will unfreeze it.