What is the SMS notification that the credit card is blocked?

The SMS notification that the credit card is blocked is as follows: "Your credit card with suffix xxxx has been stopped by our credit card center because of xxxx"?

Credit card freeze reason:

1, overdue for many times.

Different overdue situations have different consequences. Generally speaking, if it is overdue for more than three months, the bank will seal the card and report it to the central bank's personal credit report. At the same time, there will be stains on the credit report. ?

It should be noted that overdue means not only the overdue of credit cards, but also the repeated overdue of other types of bank loans, which will also lead to the closure of credit cards.

Repayment on time is the most basic requirement of banks for cardholders. For cardholders who are overdue in repayment, the bank will charge interest and late fees. When the cardholder is overdue for many times or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior and continue to provide revolving credit, which is very risky and will unilaterally terminate the use of the credit card, that is to say, the cardholder will find that his credit card is blocked and cannot be consumed.

2. Cash-out suspicion

Some cardholders use credit cards to cash out when the capital turnover is not enough. It is illegal to cash out, which will harm the interests of banks. Banks also expressly stipulate that cardholders cannot cash out with credit cards. But in real life, some cardholders always cash out with luck, thinking that the bank can't find it.

Due to the high risk of illegal cashing of credit cards, it is easy to lead to bad debts of banks. The CBRC has long stipulated that banks have the right to take measures such as reducing the credit line, stopping payment, and inputting relevant information into the credit information system and the established interbank fraud information database.

It can be said that every card swiping behavior of the cardholder is under the supervision of the bank. As long as the cardholder cashes it, it is easy to be found. Once the bank finds that the cardholder's cashing behavior is true, the credit card is blocked.

If you really want to unfreeze the credit card without cashing in at this time, you can provide the bank with the recent credit card consumption voucher and consumption invoice to prove that you have not cashed out and ask the bank to unfreeze it.

3. The credit card is not normal

If the credit card has been swiped by a large number of times in a row and is spent overseas and in two places at the same time, the bank will consider the credit card abnormal, and in order to prevent the credit card from being stolen, the bank will seal the credit card.

4. Enter the wrong password three times.

When spending with a credit card, if you press the wrong password continuously, the credit card will be blocked. Different banks have different rules for continuously entering wrong passwords. Some banks will block your credit card if you enter the wrong password three times in a row, and some banks will report the loss of your credit card five times in a row.

Extended data:

If the card is frozen or blocked by the bank due to poor credit card use, overdue repayment and other reasons. The cardholder himself needs to apply to the bank for thawing. If you need to unfreeze the card on the day of paying off the debt, you need to bring your card and ID card to the local card center counter to apply directly. If it can be thawed, it can be thawed on the same day. If it cannot be unfrozen, it means that the card has been forcibly cancelled by the bank and can no longer be used.

First, apply for thawing through customer service. If it can be thawed, it will usually be completed within 2 working days. If the freeze cannot be lifted, the bank credit card center can contact the customer himself to inform the reason and the processing result (which varies from place to place).

Of course, if the customer's reserved information is incomplete, the bank can't inform the cardholder and can only apply at the counter of the card center. So you can call the bank's customer service phone and ask the reason for the freeze, so that you can take corresponding measures to deal with it.

Second: If you want to use the credit card smoothly, you must repay it at least once a month on the last repayment date. Otherwise, not only will late fees be charged, but personal credit records will also be affected. If the circumstances are serious, the bank may freeze the account or even seal the card.

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