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.

What does the credit card seal mean? How to seal it?

Credit card sequestration means that the credit card is frozen and can no longer be used. The card was sealed by the bank.

Credit cards are usually blocked for some reason. One is that credit cards are risky, the other is that credit cards are considered cashed by banks, and the other is that credit cards are overdue.

If there are risks, such as frequent consumption in China, but suddenly there are large overseas transactions, the bank will think that there is a risk of being stolen, so in order to reduce losses, the card will be blocked. If the overdue card is blocked, it may be because it has not been repaid for three consecutive months, it has been blacklisted by the bank, and the account has been used by illegal activities such as fraud and terrorist financing.

Extended data:

Precautions:

1. After the credit card is blocked, it must be repaid in full in one lump sum.

2. If the credit card is frozen due to overdue, the overdue amount shall be returned as soon as possible;

3. After paying off the credit card debt, the cardholder can call the bank credit card customer service center to explain the situation. Usually the bank will thaw.

4. After that, the cardholder should repay each installment on time to avoid any overdue.

If the bank thinks that the credit card has been cashed out, you can submit your proof materials, such as the bill paid by the credit card, to the bank outlet, and generally you can unseal it by showing the proof materials.