Unlocking your Vietcombank credit card effortlessly

Vietcombank credit cards allow you to spend first and pay later, providing a convenient means of payment for various products and services without the need for cash. However, during usage, the card may be locked due to various subjective or objective reasons. If you find yourself in a similar situation and are unsure how to handle it, this article on unlocking Vietcombank credit cards by Mytour will be helpful. Let's explore!

Guide on how to unlock Vietcombank credit cards
 

I. Reasons for Vietcombank credit card lockout?

Customers receiving newly issued Vietcombank credit cards that are unusable may encounter the following reasons:

- Your credit card is not activated/not unlocked.

- Incorrectly entering the PIN provided by the bank for the first time.

- Physical card damage or issues during customer card storage.

- Card expiration.

- When changing your phone, entering the MOCA user password incorrectly 5 times will temporarily lock the credit card.
 

II. How to unlock Vietcombank credit card

If you currently possess a Vietcombank credit card that is temporarily locked, you can follow the steps below by Mytour to unlock the card.
 

1. Vietcombank credit card not activated, not unlocked

If not activated, both credit and debit cards will be unusable. If you've recently obtained a new Vietcombank credit card, you can follow one of the methods below to activate it:

Method 1: Send a text message to the hotline 6167 using the format:

Where: '_' represents a space

Example: VCB KHT 412975...123

Method 2: Type VCB HELP or HELP KHT and send it to 6167 to receive guidance.

Method 3: Log in to VCB Digibank > Select the 'Card Services' section > Choose 'Other Card Services' > Select 'Activate Card'.

Method 4: Contact the issuing branch of the card (you can call the hotline or visit the branch directly to request assistance).
 

2. Physical card issues leading to non-usage

Many cases involve customers seeking support regarding unclear reasons for Vietcombank credit card lockout. One of the reasons is physical card damage leading to non-usage or issues during customer card storage (not a lockout).

Troubleshooting: Customers should contact the card issuing branch/customer service center for assistance and reissuance of the card.
 

3. Vietcombank credit card locked due to expiration

Regardless of the bank, credit cards have a specific validity period. For Vietcombank, credit cards are valid for 5 years.

When the card expires, the cardholder needs to bring personal identification documents such as ID card to the bank branch for renewal. Failure to follow these steps will result in the card becoming non-transactional after expiration, meaning the card will be temporarily locked until a new one is issued.

After filling out the Vietcombank card unlock request form, your signature will be cross-checked by bank staff with the original signature in the bank system. If they match, your credit card will be unlocked.
 

4. Temporary lockout of credit card due to phone change, incorrect information entry 

4.1. Unlocking Vietcombank credit card through the hotline.

If your credit card, linked to the MOCA app, transitions to a temporarily locked state, it indicates you entered the MOCA user and password incorrectly 5 times.

Or, when switching to a new phone and logging into VCB Digibank, your Vietcombank card may also be temporarily locked for security reasons.

In these cases, to unlock the card, you need to re-enter the card number and OTP sent by VCB to the registered phone for verification or contact the Vietcombank hotline 1900545413 for assistance.

4.2. Unlocking credit card on Vietcombank's internet banking channel

In addition to basic features such as processing online transaction information, assisting customers, managing, querying, and online account management, VCB-iB@nking service can also help customers unlock credit cards when needed.

Prerequisites: You need to register for Vietcombank's internet banking service. 

Implementation steps
Step 1: Log in to Vietcombank's electronic banking system
Step 2: In the 'additional utilities' section, choose 'cards', 'unlock card'

Step 3: In the card type section, select 'credit card', choose the card number, click on the box indicating agreement with the terms of use of the electronic banking service of the Joint Stock Commercial Bank for Foreign Trade of Vietnam (Vietcombank) And press 'confirm'

Step 4: Follow the instructions on the screen until you receive a notification that you have successfully unlocked the credit card.

4.3. Unlocking Vietcombank card on mobile

'VCB Digibank' is the mobile application of Vietcombank, allowing customers to manage and conduct transactions on mobile phones and tablets. However, you need to register for Vietcombank's Mobile Banking service to use this application.

Implementation steps
Step 1: Access the Vietcombank application on your phone, log in with your username and password
- Download VCB Digibank for iPhone
- Download VCB Digibank for Android
Step 2: In the 'financial' tab, select 'card services' and then choose 'unlock card'

Step 3: Select the card type as 'credit card', choose the card number, check the box 'I have read, understood, and agree to comply with the terms of Vietcombank' and then click on 'continue'
Step 4: Verify the information (card number, card type, card brand) and press 'continue'
Step 5: Enter the verification code on the phone screen, press 'continue' to complete the card unlock process
Step 6: Screen displays successful card unlock

Above is Mytour's guide on how to unlock Vietcombank credit card on your phone and computer quickly. Hope it brings useful information to our readers. Wish you all success in implementation!

Additionally, after using the credit card, for expenses exceeding the card limit, you need to pay immediately to the bank before the Vietcombank deadline of 55 days. You can explore how to repay credit card debt with Vietcombank to avoid being charged interest on the credit card when overdue.