Credit Card Prohibited, How Do I Act?


It is popularly used to foreclose on a credit card when the lender denies or restricts the use of the credit. Surprise is unfortunate and, at worst, disruptive to everyday life when a debit card does not work. What is the reason for this and what can be done about it?

In case of problems, it is good to find another payment card in your purse. Compare credit cards in our comprehensive comparison and find the benefits that are right for you quickly and easily.

Why does the bank block use of credit?

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Long and small print credit card agreements on bank credit cards indicate that in certain situations the use of credit is restricted. Payment problems are a common cause – in the bank’s language, “the risk that the borrower will be unable to meet his payment obligations”. If the credit limit is exceeded, the cardholder is insolvent, has gone through debt settlement, bankruptcy or bankruptcy, the bank may restrict the use of the credit card. So paying for your credit card bills should be done correctly and responsibly if you want to take advantage of your credit card.

However, paying your fees is not the only reason why your credit card may be banned. Ensuring security is an important part of banks’ activities, and suspicious behavior often leads to “better than cure” measures, and rightly so. Banks stop a huge amount of scam attempts every year, and the first step to protecting your money is closing your credit card.

It is the Bank’s statutory duty to ensure that there is no fraudulent conduct. So, if something suspicious happens in your account, the lender has every right to block or limit the use of the credit. The same applies if the law or regulation requires the bank to prevent the use of credit.

Unforeseen situations

Life is not always predictable, no matter how prepared you are. In spite of their sometimes weak institutional position, banks also have to take this into account, which is why banks’ contracts cover “overwhelming obstacles”. Sometimes something happens that you cannot control and the consequences of which cannot be avoided. Sometimes this can also temporarily affect your financial situation. In such a situation, you should always first contact your bank and agree on the future.

Of course, there may also be problems with the bank. The Bank is not responsible for any strike, blockade, lockout, boycott or similar event.

What to do if your credit is blocked

What to do if your credit is blocked

Whatever your reason for limiting your credit, you should contact your bank as soon as possible to find out. Addressing problems at the earliest possible stage will make it easier for both parties to resolve the issue, and will also demonstrate customer responsibility. So, if you find that your credit card is being restricted or blocked, call your bank immediately when the opportunity allows.

However, it can take time to find out the reasons for blocking your credit. For this reason, it is banks’ policy to have two credit cards from different lenders. If problems occur with another card, the customer will not be completely blank. With two cards you can also get the benefits of two cards – travel insurance, reward point programs or even concierge services.