What should I do if BOC e-Loan is frozen?

Customers need to find out the reason for the freeze. It may be that there is a bad loan record on the customer’s credit report, or it may be that the customer’s information has expired. Customers can call the platform’s customer service for specific information. Problem, just take the right medicine to solve the problem.

However, if the customer's personal credit report is damaged due to overdue loans, it will be more difficult to unfreeze the credit limit. The customer needs to pay off the overdue loan, and the credit report will also take time to repair. This will have a relatively large impact on lenders. How to lift the freeze on Bank of China e-Loan

If Bank of China e-Loan is frozen, the borrower needs to re-apply to the bank, and the application will be lifted after approval.

After Bank of China e-Loan is frozen, you need to first find out what caused the freeze. Once you find out the reason, you can solve the problem and then apply again. If you don't know the reason for being frozen, you can call Bank of China's hotline or online customer service for consultation, and then solve the problem.

Currently, Bank of China e-Loan may be frozen due to the following reasons:

1. Overdue

If it is frozen due to overdue reasons, then The loan needs to be repaid first. If the overdue situation is not serious, it will generally be unfrozen after repayment.

2. System reasons

It may be due to internal adjustments in the Bank of China app system, so the user's loan limit is frozen first. If this is the reason, it may be unfrozen after a while. .

3. Security reasons

If there are abnormal transactions in the borrower's account, Bank of China may temporarily freeze the limit for safety reasons, and will unfreeze it if there are no problems later.

4. Insufficient quota

Since bank lending quotas are affected by many factors, such as policies, markets, internal factors, etc., the quotas of some borrowers may be temporarily frozen. .

BOC E Loan is a credit consumption loan provided by Bank of China to our bank’s mortgage customers, salary payment customers, provident fund/social security/tax customers in some areas, wealth private banking customers, etc. The credit limit is valid for one year Years can be withdrawn multiple times within the limit amount. If you find that your credit limit has been frozen when withdrawing money, and you want to unfreeze it, it is recommended that you first inquire about the reasons for the frozen credit limit, and then take appropriate solutions.

For example, if the credit limit is frozen due to overdue repayment, you can only pay off the debt quickly and then apply for unfreezing. However, customers should be prepared that their credit limit will not be restored within a short period of time, and they may need to repair their credit damaged due to overdue credit. Once their credit is restored, their credit limit should be restored. And if there are abnormal transactions because the risk of the customer's account has increased, the customer can only wait patiently for the risk control to pass. If the bank suspects that the funds are being used for purposes other than those specified, the customer can also provide the bank with recent consumption vouchers. The bank will review them carefully and determine that there is no problem, and then unfreeze the limit. Sometimes the limit may be frozen simply because of internal adjustments to the Bank of China mobile banking system. In this case, the freeze is only temporary. After the system is adjusted, the limit will naturally be unfrozen. The BOC E loan limit is frozen, how can I apply for unfreezing or cancellation and re-evaluation?

Based on your description, it is temporarily impossible to determine the reason for the Bank of China E-loan limit and the procedures for unfreezing it. It is recommended that you call the Bank of China customer service hotline 95566 to report this situation.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses. How to unfreeze the frozen limit of Bank of China e-Loan?

If the BOC e-loan limit is frozen because it is overdue during the repayment process, you should first pay off the overdue balance and then wait for the system to automatically lift the freeze. If the user does not meet the loan threshold of Bank of China e-Loan and the limit is frozen, the user must first satisfy the loan threshold and then be re-evaluated by the system. After passing the evaluation, the limit will be unfrozen.

Therefore, after the Bank of China e-Loan quota is frozen, users can first find out the reason for the freezing, and then solve the problem based on the reason.