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According to your description, because you are overe, being told by the bank that the card cannot be used means that you have a bad credit record

1. If there is a bad credit record, the general credit limit will be reced by the bank

2. Bad credit records will be collected into our personal credit information

3. When applying for a credit card or personal loan from a bank, it may not pass the examination

4. The credit rating of personal credit in the bank will be affected

5. The purchase of train tickets, air tickets and visa will be restricted

1. When there is bad record, you should pay off the debt quickly, and don't let the stain become your heavy burden

2. Develop a good habit of using credit card regularly in daily life, and check and repay regularly every month

3. In order to ensure timely repayment, it is recommended that you bind the automatic repayment function, just in case

4. Don't handle too many credit cards to avoid annual fee caused by long-term non use of cards

6. When personal information such as telephone number is changed, the bank should be contacted actively to change it

Third, the solution of credit card freezing:

1, overe repayment is frozen

if the cardholder has not paid off the credit card debt, he should pay off the money in time, call the bank customer service, truthfully explain the situation, and generally unfreeze the credit card. If it is overe for many times, the bank will first ask the cardholder to pay off all debts including interest. If the circumstances are serious, the bank may have to cancel the card

2. It's troublesome that the suspected cash out is frozen. If the bank recognizes the cardholder's cash out, the card can't be unsealed. However, if there is evidence to prove that it is not self cashing, but that there is a problem with the POS machine of the merchant, the credit card center may also be unsealed. At this time, the bank may ask the cardholder to provide a small ticket or recall the card situation

therefore, cardholders had better keep a good record of each "consumption", and those with small bills should keep small bills (or invoices) for the bank's inquiry. After the bank verifies that it is not cash out, it will unfreeze you

3. The stolen credit card is frozen

in case of stolen credit card, the bank must be contacted at the first time when the card is lost to apply for freezing. After that, the issuing bank will help cancel the customer's card and issue a new card for the customer. At the same time, it will check whether the fund has been cleared out from the issuing bank. If not, it will be intercepted. So you don't have to worry about this one

4, Erqing POS machine set code, skip code is frozen

Erqing POS machine here must pay attention to: when swiping the card, check whether the bank's notice message is abnormal, if the prompt merchant name is inconsistent with the actual name, it is skip code, at the same time, if the prompt in different places consumption is also skip code. When this happens, please bring your own credit card invoice, receipt and other information to the bank to explain the situation and apply for unfreezing

extended information:

reasons for the freezing of credit card

1. Overe repayment

when the cardholder is overe or the overe amount reaches a certain amount, the bank will consider that the cardholder has malicious overdraft consumption behavior and continue to provide the risk of revolving credit is very high, and will unilaterally terminate the use of the credit card, In other words, cardholders will find their credit cards frozen and unable to consume

2, suspected of cash out

if you frequently use POS machine for large amount consumption, or frequent large amount cash withdrawal, especially the use of capping machine for cash out, resulting in UnionPay's doubt on your credit, the bank will rece your credit card limit, and those with serious circumstances will be directly blocked

3, credit card theft

this situation is the cardholder's own choice, when the credit card is lost or stolen, in order to prevent the loss caused by theft, the general cardholder will ask the issuing bank to freeze the credit card, in some cases, the issuing bank will take the initiative to freeze the credit card for the cardholder

4. Erqing POS machine set code and skip code

usually "Erqing machine" is hung under big Yiqing merchants, and big merchants will sell Erqing machine nationwide, which directly leads to the diversification of cardholders' credit card consumption locations. In the bank's view, a credit card, the same day in different cities consumption, it is easy to be considered the existence of theft or cash behavior. At this point, the credit card will be easily frozen

5. Other frozen cases

forgot the password. If the continuous input error of credit card transaction password is frozen, you need to call the customer service hotline to unfreeze it. The property was frozen by the court. This kind of situation is less, and because of their own property disputes are frozen or confiscated, the credit card is frozen is more sad

reference: credit card network

the Beijing Municipal Bureau of human resources and social security has issued a notice on printing and distributing the Interim Measures for the administration of professional title appraisal in Beijing, which stipulates that mutual recognition of professional title qualification shall be implemented in Beijing, Tianjin and Hebei, and the professional title certificates of Tianjin and Hebei have the same effect as those of Beijing in the fields of professional title promotion, post employment, talent introction, training and selection, service guarantee, etc what is the specific purpose of Beijing's policy? The following is a detailed introction: