Credit cards can be frozen. If you want to freeze your bank card, you need to apply for freezing your credit card at the bank counter with your ID card and credit card. You can also call the bank customer service phone to freeze the credit card business. You can also apply for freezing bank cards in the official bank app.

Swiping a card on a POS machine is the most common way to use a credit card, and it is also a way to swipe a card online. When swiping a card, the operator should first check the validity period of the credit card and the cardholder's surname. Then, according to the issuing bank and the currency to be paid, select the corresponding POS machine, draw the magnetic stripe of the magnetic stripe credit card on the POS machine, or insert the chip credit card into the card slot, connect with the bank, and input the corresponding amount. After receiving the information of remote payment, POS will print a credit card payment receipt (at least two copies), and the cardholder will sign the receipt after checking that the information on the payment receipt is correct. After checking the signature on the receipt and the signature on the back of the credit card (including the complete name matching and the basic handwriting matching), the operator sends the credit card copy and the credit card payment receipt to the cardholder. At this point, the credit card swiping program on the POS machine is completed.

If you don't intend to continue using your credit card, you must cancel your account. If the account is not closed, the bank will charge an annual fee for the credit card. If the card is not overdrawn, you can apply for account cancellation at any time.

If the card has not expired, you need to apply first, and then go to the bank to cancel the account after a certain period of time; If the card has expired and the account balance is zero, you can directly cancel the account at the designated bank outlet. When closing the account, you should bring your valid ID card and the original card. If it's not convenient for me to close the account, someone else can help you. The agent must hold the power of attorney written by the principal (himself) and bring the original valid identity certificate to handle the account cancellation business.

If your card has not expired when you cancel your credit card account, some banks stipulate that you need to go to the designated outlets to receive the card, and then go through the formal account cancellation procedures after a certain period of time (up to 30 days). This is mainly because if the cardholder has done a manual card pressing transaction before closing the account, the cardholder will have closed the account before the merchant submits the card pressing form to the bank for entry, so that the bank will carry out liquidation; On the other hand, if the cardholder is in consumption abroad or withdraws cash, it may take several days to settle the account. If the account is closed immediately, it will also affect the normal liquidation of the bank.

How to freeze credit cards?

Users can call the credit card customer service hotline directly, and after switching to manual service, let the manual customer service handle the credit card freezing business. This freeze is temporary and users can apply for cancellation. Of course, after some banks apply for freezing, as long as users do not apply for account cancellation, they will report the loss directly and automatically.

Therefore, after applying for freezing, if the user wants to continue to use the card, then the user needs to apply for unfreezing within the effective time.

Freezing process before credit card litigation

The pre-litigation freezing process of credit card includes: after the credit card is overdue, the bank can't contact the debtor, and the overdue amount is too large; Credit card application form, cardholder identity information, details of arrears and collection records; Then the bank appeals to the bank; If the debtor fails to repay or mediation fails, the bank will entrust a lawyer or employee to apply for enforcement. The application for enforcement is generally assigned to the judge after 15 working days.

I. Reasons for freezing credit cards

Reasons for freezing credit cards: Some people lend their credit cards to others, and many people lend their credit cards to relatives and friends. In fact, this way is very dangerous; Once someone improperly uses a credit card, the bank decides to cash out maliciously, and the responsible person must be the cardholder; In severe cases, criminal proceedings may be initiated and the cardholder will bear the legal consequences. When using a credit card, try not to focus on large consumption. Now is the era of big data, and your consumption dynamics are recorded in the bank. If you spend a lot of money every month, the bank will definitely focus on tracking. Once it is determined that your credit card is abnormal, it is easy to freeze.

2. What is the enforcement procedure for credit card arrears?

Application: legally effective civil judgments and rulings and criminal judgments and rulings must be fulfilled by the parties. If one party refuses to perform, the other party may apply to the people for execution, or the judge may transfer it to the person subjected to execution for execution. If one party fails to perform the award of an arbitration institution established according to law, the other party may apply to the people's court with jurisdiction for enforcement; Acceptance: If the parties or interested parties think that the execution is against the law, they may raise written objections to the person responsible for execution; Application for reconsideration: If a party or interested party refuses to accept the award, it may apply to the people at the next higher level for reconsideration from the date when the award is served. If it has not been executed for more than six months from the date of receiving the application for execution, the applicant executor may apply to the people at the next higher level for execution; Issue a notice of execution to the person subjected to execution. After receiving the application for execution or the execution transfer, the person subjected to execution shall issue an execution notice to the person subjected to execution and order him to perform it within a specified time limit. If it fails to perform within the time limit, it shall be enforced.

Then when we usually use credit cards, we must pay attention to the amount and frequency of consumption to avoid banks making wrong judgments.

Can I freeze my credit card?

Yes, you can. If you want to freeze your credit card, you must bring your ID card to the credit card bank counter to apply for freezing, so as to freeze it. If a credit card app is installed on your mobile phone, you can also apply for freezing directly on your mobile phone.

Materials required to apply for a credit card:

1, applicant's ID card;

2. Credit card application form of the application bank;

3. Work certificate and income certificate stamped with the financial seal of the unit;

4. Individual businesses need individual business licenses and tax bills for nearly three months;

5. Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.

Credit card application process:

1, fill in the application form;

2. The information of the bank itself and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

After getting the card, I will open it and wait for the password letter.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.

How to freeze someone else's credit card?

If the user wants to freeze his credit card, he can directly call the credit card customer service hotline of the corresponding bank, and then transfer to manual customer service to explain the current situation of his credit card to the customer service, so that the customer service can help freeze this credit card as soon as possible and avoid unnecessary economic losses.

Of course, users need to pay attention to the fact that some banks' credit cards are frozen for a short time, so when consulting customer service, you should ask about the freezing time.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

Never mind how to freeze credit cards.