What to do if the credit card has been blocked?
It can happen to everyone that when paying with their credit card they find that it no longer works or is blocked. But why can the credit card be blocked and what should you do in this case?
There are several possible reasons why a credit card is blocked. For example, the bank has the right to block the credit card for security reasons if there is a suspicion. This suspicion can be data theft, for example. If it becomes known that criminals have stolen credit card data, the bank can block your credit card as a precaution to prevent credit card misuse.
Even if you are accused of misusing the credit card, you have received a negative Credit Bureau entry or you have given invalid information about your financial situation (or it has deteriorated to such an extent) that the bank would have to take an unreasonable risk, the bank has the right to block your credit card.
Your credit card will also be blocked if you enter your PIN incorrectly three times.
In the event of theft or loss of the card, you can of course also block the credit card yourself. All you have to do is call the credit card block number and provide your card details.
If your credit card has been blocked for whatever reason, the next step is to contact the bank. This will help you further and explain the reason for the block (unless you have blocked the credit card yourself). However, it is usually not possible to unlock a credit card again, but you can request a new credit card from your bank.
However, this will only be issued to you if the suspicion has not been confirmed or there is no unreasonable risk for the bank. For example, if you paid with your credit card on vacation in the United States and the bank suspected that the credit card had been misused and consequently initiated the blocking, a new credit card will normally be sent to you.
You can explain to your bank that you yourself used the credit card on vacation. The situation is different if the credit card has been blocked due to poor creditworthiness or even a Credit Bureau entry. In the worst case, your credit card and account will be blocked permanently and the application for a new credit card will not be approved.
If you still want to enjoy the advantages of a credit card in this case, you can apply for the credit card without Credit Bureau. This is usually based on credit, so there is no risk for the bank and you can therefore apply for it without Credit Bureau information.