China Bank's credit card activities are rich and colorful, so it is recommended to keep them. If you really need to cancel, you can call the credit card customer service hotline for pre-cancellation. After pre-cancellation, the card can no longer be consumed, but repayment is supported.
The above contents are for your reference. Please refer to the actual business regulations.
The credit card has been stopped. How can I resume using it?
1. If the credit card transaction stops abnormally, the user can call the customer service phone of the bank to apply for recovery or ask the bank to reissue a new card; 2. If you stop overdue repayment, you need to pay off the arrears first, and then call the bank customer service phone to apply for recovery. The final application result depends on the attitude of the bank; 3. If the credit card is suspended due to suspected cashing, the user needs to call the bank customer service phone to explain the situation. If the situation is true, the bank staff will help the user recover it.
How to avoid the card being stopped: 1, timely repayment, overdue repayment will not only affect the normal use of credit cards, but also affect personal loans and other businesses; 2. Pay attention to the safety of credit card swiping, and don't disclose credit card information casually to avoid others stealing credit cards or cashing out.
Prerequisites for general bank credit card application: Citizens (Chinese mainland 18-year-old citizens) with a certain income source and full capacity for civil conduct can apply for credit cards from the issuing bank. After receiving the application materials submitted by the applicant, the issuing bank shall review the applicant's credit information, including the applicant's personal credit record, the applicant's property and income sources. In addition, the credit card can only be used by myself, and lending it to others will violate the credit card use contract.
Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Cardholders can enjoy the shopping mode of spending first and then repaying, and they can also overdraw within the specified amount. The front of the credit card is printed with the name of the card issuer, expiration date, serial number and the name of the cardholder, and the back of the credit card is designed with a chip, a magnetic stripe and a signature strip.
Credit card balance inquiry method: Method 1: The user can bring the credit card to the ATM for inquiry, insert the card into the ATM, enter the password, and click Query to display the balance. Method 2: I hold my credit card and ID card to check at the bank counter. Method 3: Call the bank's customer service phone and check the credit card balance through manual service. Method 4: Open the credit card official website, log into your online banking account, and check the credit card balance in the account information.
What should I do if my credit card is stopped?
The suspension of the use of a credit card does not completely equal the closure of the card. Mainly to find reasons. There are three common situations:
1, credit card overdue
When the credit card is overdue for more than 1 month, many banks will control the credit card, and some will not directly seal the card, but suspend its use. You can't swipe your credit card if there is a limit. It is best to pay off the arrears immediately, and then call customer service to apply for lifting the restrictions. As for whether this can be lifted, there is no guarantee.
When you make a phone call, you should say that you are not maliciously overdue, and give reasons approved by the bank, such as being on a business trip in other places and the company's arrears in wages. And then guarantee that you will repay on time in the future. Banks may have resumed the use of credit cards out of the consideration of daring to admit their mistakes, and in addition, they usually use cards in a standardized way.
2. The card is not standardized
In fact, cash is cashed by credit card. According to the previous card use behavior, the system compares the card swiping time, amount and merchant type. If the transaction is abnormal, such as swiping the card during abnormal business hours, and the amount of swiping the card is not equal to the merchant type, the use of the credit card will be suspended.
In this case, if you can't provide proof of relevant consumption vouchers to dispel the bank's doubts, it is a real card closure, and the bank will not return the card.
3. The transaction is risky.
For example, if some cardholders empty their credit cards at one time, or there is a transaction in different places, banks will also suspend the use of credit cards in order to ensure the safety of funds. Usually, they will call to check whether they have spent money, and will resume the use of credit cards after verification.
You can also call the bank to apply for restoring your credit card, and make it clear to the bank that you can use it yourself. The bank will resume using the card within 2 working days.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
Third, stick to application and seize the opportunity of application.
Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on applying by phone to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.
4. Threaten to use the cancellation card or suspend sleep.
Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.
How to solve the suspension of credit card use
If the credit card is abnormal, the cardholder can call the issuing bank, apply to the bank customer service for restoring the credit card or ask the bank to reissue the credit card, open the card directly after getting the new card and cut off the original credit card. If you haven't paid on time for more than three months in a row, it is very likely that you have entered the bank's credit card blacklist. It is suggested to know your account information from the bank customer service as soon as possible and pay off the arrears in time, so as not to cause greater losses and affect your credit history. Credit card debt is huge, and if it is overdue for a long time, the cardholder may face criminal punishment.
Consequences of overdue credit card:
1. The liquidated damages are generally the minimum repayment amount, that is, 5% of the unpaid part.
2, the interest rate is high, and it is rolling interest. When there are many debts, the interest rate is scary.
3. Overdue will tarnish the credit record, resulting in the inability to handle financial needs such as buying a house and lending in the next two years.
4. The overdue payment is more than 3 months, and the amount exceeds 1 000 yuan, and the bank has repeatedly failed to make dunning. At that time, you will not only pay back the money, but also bear criminal responsibility.
Credit card is a revolving loan issued by banks to users. When you apply for a credit card, the bank will give you an initial credit limit according to your personal qualifications and past credit status. The bank will analyze your daily consumption behavior and your consumption habits, combine your repayment situation, and increase or decrease the credit line of the credit card according to the comprehensive situation. Many third-party online loans also evaluate the credit limit of cardholders through bills.
People who have no economic income, such as students, should not apply for credit cards easily. Even if you don't use a credit card, you have to bear the annual fee and other items. Credit card holders give up using their credit cards and return them in time, otherwise, the various expenses of credit cards and the interest and late fees incurred thereafter will lead to personal economic losses and credit reduction, and affect mortgage and car loans.
Part of the reason why the credit card was stopped:
The cardholder's Longka credit card is suspended, or the cardholder actively applies for account cancellation or requests to stop the card, or the cardholder fails to repay the loan as agreed, or the cardholder fails to fulfill the installment payment agreement, or the cardholder's debt performance ability or credit degree is reduced (including but not limited to the cardholder's violation of laws, regulations, articles of association, acquiring agreement or relevant business regulations when using the credit card).
The application materials provided by the cardholder are untrue, inaccurate and incomplete; The cardholder refuses to bear the risks and responsibilities arising from the use of credit card transactions.
The cardholder refuses to pay various fees to the Construction Bank;
The cardholder's account has not been repaid for three consecutive months or the repayment has not reached the minimum repayment amount since the first billing date.
The credit card has stopped. What should I do if I want to restore it?
If the credit card is deactivated, you can choose to ask the bank customer service to restore the deactivated credit card or reissue the credit card.
It is recommended to know your account information from the bank customer service as soon as possible. Pay off the arrears in time to avoid greater losses and affect the credit record. Repayment on time is the most basic requirement of banks for credit card holders. If the credit card is overdue, the bank will charge interest and late fees. But when the cardholder has many overdue records or the overdue amount reaches a certain amount.
Banks will consider it a malicious overdraft and unilaterally terminate the use of credit cards. What we need to do is to pay off all the debts of the credit card, including the late payment fee, regardless of whether the credit card will be used in the future, otherwise the consequences will be very serious.
Extended data:
Credit card stop is introduced as follows:
After paying off all credit card debts, you can call the customer service of the credit card center to communicate with the customer service of the credit card and explain your situation. First of all, explain the reasons why you failed to repay the loan on time; At the same time, it shows the importance of this matter and the apology for overdue repayment;
Finally, express your determination to repay, and ask customer service to help lift the credit card restrictions. The most correct way is to continue to use it and repay it on time, and eliminate your bad record after 5 years.