1. 1. Return the card and reapply: After paying off the credit card, you can return the card and reapply.
2. Secondly, apply to the bank for recovery: if the credit card has been used normally, it may be that the monitoring of the risk control system is too strict. At this time, you can submit a card loss application to CITIC Bank.
3. Finally, apply for installment business: applying for installment business from CITIC Bank has a certain chance to recover the card, but even if the card can be used normally, the amount will be reduced a lot.
What if the credit card is overdue?
1. Serious overdue loan suspension: In this case, if you want the bank to reopen the credit card, you must pay off the arrears in one lump sum, and don't think about negotiating repayment with the bank. Nine times out of ten, it won't work. After all, the purpose of the bank is only to let you repay. After paying off the debt, you can call the issuing bank and ask the bank to reopen the credit card. After verifying your identity information, the bank will check your repayment. If it can be reopened, it will be reopened for you. If not, you can only apply for another credit card.
2. Suspected cash withdrawal is stopped: Credit card cash withdrawal is prohibited by banks and illegal. If the card is stopped because of cash withdrawal, it is generally difficult to re-open the card. However, you can also try to apply, and there may be unexpected surprises. Of course, the premise is that you have to provide proof that you are not cashing in, such as the receipt and commodity invoice when you spend. If you can't provide it to them, nine times out of ten there is no hope.
How long will overdue credit cards be deactivated?
In fact, the overdue suspension of credit cards can be said to be a situation in which credit cards are frozen. Generally speaking, if the cardholder fails to repay the loan for more than three days, the bank will suspend the credit card. After the credit card is suspended, all its bills still exist. In the long run, the overdue interest and late payment fees of credit cards will increase, and it will affect the credit information of cardholders.
After the credit card resumes normal use, never cancel it for at least two years;
At the same time, it is necessary to repay in full and on time, so that the bad records in the past can be quickly covered by new credit card records;
If you choose to cancel, you can only automatically eliminate bad records after five years;
In the process of continuing to use this credit card, the cardholder cannot have any new overdue repayment, and the continuous overdue record will have a more serious impact on his personal credit.
In order to avoid overdue credit cards, cardholders can try the following methods:
First, credit card repayment reminder service was launched. Many cardholders are overdue because they forget to pay back. Cardholders can open a credit card repayment reminder service to ensure timely repayment.
The second is to open the automatic repayment function of credit card. After the automatic repayment function is enabled, as long as the funds in the cardholder's savings card are sufficient, the bank will automatically help the cardholder to complete the credit card repayment on the automatic repayment day.
CITIC Bank's credit card has not expired. Can I use it again after stopping using it
All credit cards have a final repayment date. If the repayment is made after the repayment date, it will all be considered overdue and reported to the credit bureau, which will have the following impact on individuals.
No longer enjoy interest-free repayment.
2. Affect personal credit records.
3. Serious overdue and huge amount will also constitute a crime due to "malicious overdraft".
4. If it is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card and list you as a prohibited customer (blacklist). At the same time, it will force the use of credit cards and maliciously overdraw. Occasionally, the impact of overdue credit cards on individuals is not too serious, as long as they are repaid in time. No more than four overdue times in a year, which is not too big for personal influence. If it is overdue for three or even seven months in a row, no bank loan or credit loan can be made within five years.
Credit card is a non-cash transaction payment method and a micro-credit payment tool provided by banks to users. The earliest credit card appeared at the end of 19.
Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales, social needs and other characteristics. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.
Recovery Skills of CITIC Credit Card after Stopping Card
The recovery skills of CITIC Credit Card after card suspension should be judged according to the reasons for card suspension. If the bank determines that the credit card has transaction risk, it needs to provide the bank with a consumption invoice and the like as required; However, if the card is stopped due to overdue repayment, it is necessary to pay off the arrears first to see if it can be restored according to the bank's audit results.
You can call the service hotline of CITIC Credit Card, turn to manual service to find out, or go to the branch counter to find out. The cardholder can't see the reason for stopping the card, but the banking system has the reason for stopping the card.
The reason why the card stopped
1. If there is overdue repayment, you must pay off the arrears in time to avoid causing greater losses and affecting your credit history.
2. Being controlled by the wind, such as cashing out in violation of regulations, needs to provide evidence of not cashing out, or admit the mistake and ensure that it will not happen again.
3. If the credit card expires, you need to cancel the old card and cut it with your ID card to apply for a new card at the counter.
4. The credit card transaction is abnormal and may be attacked by hackers or other elements. We need to wait until the case is over.
Credit cards are usually stopped because of overdue repayment, usually three months overdue. In this case, it is necessary to pay off the arrears in time and apply for recovery after paying off. Can the bank's approval be resumed? If it cannot be restored, you can apply for cancellation. You can cut the card directly after cancellation and handle it properly.
There are several reasons why China CITIC Bank's credit card was stopped. If you want to know what kind of card it belongs to, you can call the customer service phone of CITIC Bank as soon as possible to check your account information.
CITIC Bank's credit card has always been aimed at serving the public and will serve the public better in the future. Many people who have used credit cards know that credit cards are very convenient, not only in domestic supermarkets, but also in some foreign consumer places. Credit cards have greatly facilitated the general public and enabled banks to make more profits from them.
CITIC Bank credit card is one of them, but there are several problems to pay attention to when using CITIC Bank credit card.
First of all, we should develop good consumption habits and not brush off all credit lines without restraint. Credit cards are used because on some occasions, when cash and bank cards cannot be paid normally, CITIC Bank's credit cards have a certain amount, and the amount of ordinary quality customers will be higher accordingly.
Dear CITIC Credit Card customers, due to the abnormal status of your card, our bank has stopped using your card. In order to ensure your good credit record, please contact us in the following ways.
In this case, the card will generally be blocked/frozen, and it is necessary to pay off the arrears in one lump sum. Otherwise, there will be bad records, which will have a certain impact on your personal credit information.
How to cancel CITIC Credit Card?
Method 1: Bring my ID card and the credit card that needs to be cancelled to the counter of CITIC Bank outlets;
Method 2: Call the customer service number of CITIC Bank and cancel it through manual customer service. It should be noted that you need to pay off the debt before canceling the credit card. The telephone customer service of CITIC Bank can handle not only the cancellation of credit cards, but also the inquiry of bill balance, banking activities, bank card opening, credit card withdrawal application, credit card loss reporting and other operations.
Generally, it takes 10 working days to review the materials submitted by CITIC Credit Card, but it usually takes 20 working days from submitting the materials to obtaining the credit card. It only takes 15 working days to get a credit card through online application, because it takes time to declare after applying at the outlets, but the online credit card application amount is generally low.
The annual fee of CITIC Credit Card is RMB 65,438+000 for ordinary card and RMB for supplementary card in 50 yuan; There are two kinds of gold cards: single-currency gold cards and dual-currency gold cards. The annual fee for the dual-currency gold card is 65,438+050 yuan for the supplementary card and 65,438+000 yuan for the main card and supplementary card. Elite card annual fee 480 yuan, subsidiary card 240 yuan; The annual fee for platinum card is 2000 yuan for the main card and 0/000 yuan for the auxiliary card/kloc.
How to negotiate and communicate with the bank after the deadline;
1. Tell the bank staff that the overdue period is only recent, and there is no fraudulent compensation, and promise to repay.
2. Explain that your overdue is a personal act. If there is violence and pressure in the collection process, you can collect evidence and complain, or even.
I have a strong willingness to repay. If it is really difficult, I can explain the actual situation with the bank and apply for installment. If successful, I can divide it into 60 periods.
So much for the introduction on how to stop using CITIC Credit Card.